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Re:Ask HN: Do you have more sick time than you can use? by gus_massa on Sunday June 29, 2014 @04:48PM (#7962343)
It’s like an insurance policy. You are not expected to crash your car every month, but you nevertheless have to pay the prime and it covers up to a certain amount. And if you don’t crash. you can’t carry the amount to the next month.
Re:Ask HN: Do you have more sick time than you can use? by mproud on Sunday June 29, 2014 @07:53PM (#7962981)
Yeah, that’s a good way to look at it.

Now only if my medical premium would decrease like how some car insurance companies reward customers for good driving.