In my case, I don't pay into it, nor am I eligible to receive it. Some weird thing about our union contract and how it has to be negotiated. That being said, I have forgone and put off procedures needed until I get my vacation time. Like I need knee surgery and have pushed it out to September when I get my vacation time. I get it in August, but there no appointments then. Mainly because I can't afford not to get paid for the 6 or 7 weeks of rehab after the surgery. So, in the meantime, I work as much over time as I can as my vacation hours are based on the amount of hours worked per year. Which may cause further damage to the knee.