I've always thought our unused sick leave should roll over to be available in the future, should you have something catastrophic happen. Twice I've had to go onto LTD because of long term illness. Both times were following years of minimal sick leave usage. Had our sick leave rolled over, I wouldn't have had to eat a 50% pay cut on LTD, and I'd still have a thousand hours in the bank.
NW had a bank, I never flew under that program but I've heard stories, perhaps the ones who have worked under that system can tell us if they like the Delta 270, use it or lose it, better?
I wish I had all my 30+ years of unused sick leave available for use now! You are all just one bad car wreck, or illness, or EKG blip away from a 50% pay cut!