Not sure I understand your point in that they have already been paid? I have over 1000 hrs. I've always called in sick when sick. I've usually have never been "physically sick" more than once a year. (yes 25+ yrs here) Am I stupid? Mayby, my mother raised me to have "stupid" morals! Doesn't mean I'm perfect just healthy DNA. I think the Delta model would be BAD for those of us healthier individuals! That being said, the reason I have a higher total is that i am worried about extended long term sickness such as cancer or heart conditions that I would like to get paid FULL time until LTD. (Look at how many guys are out on LTD over 50!) I'm in that 50+ group now