You're getting just a fraction of what you earned: A 35% payout means you're being paid about one-third of your actual wage for hours you already worked to earn that PTO.You lose time off: PTO is part of your compensation package. Accepting a partial payout means trading rest and recovery for less-than-fair pay.Better than losing it entirely: In states like Florida, there’s often no legal protection for unused PTO unless it’s spelled out in a contract. Something is better than nothing.Immediate cash in hand ...