The Benefit Healthcare Workers Have Been Waiting For. 
Healthcare organizations face some of the most severe retention and PTO liability challenges of any sector, and the most critical need for a culture of genuine care. A PTO exchange program gives a diverse workforce personalized, debt-free path to financial wellness using already earned, PTO value at no net cost to the company.
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Trusted by Leading Organizations

Why PTO Exchange Works for Healthcare 

Healthcare is unlike any other industry. Heavily burdened employees often work through vacations, sometimes skip PTO during surges, and burn out at higher rates that cost the sector billions each year in turnover alone. The same employees who give everything to their patients are often living paycheck to paycheck, sometimes unable to cover a $400 emergency without going into debt.

PTO Exchange was built for exactly this reality. It transforms the unused earned time sitting on the balance sheet into a meaningful, personalized financial benefit that nurses, physicians, administrators, and support staff will actually use.

  • 1 in 3 healthcare workers say financial stress directly affects their ability to focus at work
  • Healthcare turnover costs an average of $56,000 per bedside RN replaced 
  • IU Health reduced turnover by 61% among PTO Exchange users
  • 83% of workers are interested in converting unused PTO into financial benefits 
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Trusted by Leaders. Backed by Results.

Sara Ellis Familhy
Sara E. INDIANA UNIVERSITY

I am thankful to use the PTO exchange. It came in handy for my son’s birthday, allowing me to spend a little bit more time with my boys without having to work overtime for a while.

Ciera Cox
Ciara C. IU HEALTH

This really comes in handy when needed, especially when you need the cash on unexpected bills.

Ruth Gibson
Ruth G. FAIRWAY MORTGAGE

It has been so helpful to provide additional money to pay for my medical needs.

Patricia Cox
Patricia C. ITHAKA HOSPITAL

I was in crunch and really need some extra money in my check and this was the perfect way to do it. It was so easy and not hard at all I would tell everybody to do it when you are in need.

Greg Martin
Greg M. SUBSEA

Time to spread the blessed cheer.

Naomi Morgan LEGALEASE
Naomi M. LEGALEASE

I am in grad school, and my classes are expensive.

Mason Campbell IU LIFELINE
Mason C. IU LIFELINE

This gives me the opportunity to build our savings back up with the newborn.

Angelica Avila SAC HEALTH
Angelica A. SAC HEALTH

I so Appreciate PTO exchange! It has helped me out with those unexpected situations happen.

Resize Sara S (1)
Sara S. HONORHEALTH

Having the extra cash will be so helpful!

Mikayla Pruitt
Mikayla P. DAYTON CHILDREN’S

I am so thankful to be able to exchange out some of my PTO to help with extra money.

Janelle Morrs Grad Save for House
Janelle, M. RILEY HOSPITAL FOR CHILDREN

I am so grateful for PTO exchange. With this money, I will be able to continue to save for a house! Currently I live with my parents, but my new year's resolution is to buy a house!

Pinkie Fosha LEGACY COMMUNITY HEALTH
Pinkie, F. LEGACY COMMUNITY HEALTH

A great way to contribute to my 403b and not lose PTO hours.

Ready to Add a Benefit That Costs Your Organization Nothing?

Talk to our team about how PTO Exchange fits your organization's size, payroll infrastructure, and Total Rewards strategy. Most implementations are complete in weeks — and paying for themselves from day one.

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Frequently Asked Question

01

Does PTO Exchange work for shift-based clinical staff?

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  • Yes. PTO Exchange works with all employee types including hourly and shift-based workers. Eligibility, exchange limits, and protected balances are fully configurable to your organization’s specific policies.

02

Can healthcare systems with union workforces use PTO Exchange?

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  • Yes. PTO Exchange is compliant across both union and non-union workforces. Implementation details for union environments are managed in close collaboration with your HR and legal teams.

03

How does PTO Exchange help with nursing retention specifically?

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  • Nurses are among the highest-accruing, lowest-utilizing PTO employees, making them ideal candidates for PTO Exchange. By giving RNs and CNAs a meaningful financial outlet for earned time they can’t take, organizations like IU Health have documented turnover reductions of 61% among users.