Whole-Person Care Starts With Your Own People
You build a culture of care for your patients every day. PTO Exchange helps you extend that same care to your clinical staff, caregivers, and workforce, using time they’ve already earned, at zero new cost to your organization.

Turn unused PTO into financial support, shared leave, and real-world help for the people carrying your mission forward.
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Caregiver Burnout Is Not a Culture Problem It's a System Problem

Healthcare organizations are built on a mission of care. But the people delivering that care are under increasing strain.

Clinical staff accrue PTO faster than they can use it. Teams are short-staffed. Time off becomes something employees earn, but can’t actually take.

  • Clinical staff accrue PTO at above-average rates across all industries
  • Every nurse who separates costs 1.5–2x salary in replacement alone, plus PTO payout
  • Enterprise health systems carry material PTO liabilities disclosed on financial statements
  • Private equity-backed systems face valuation pressure from accumulated PTO liability
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What It Actually Means to Support the Whole Person

Whole-person care doesn’t stop at patients. It includes the financial, emotional, and practical realities your employees face every day.

For healthcare workers, that often means:

  • Needing financial flexibility during unexpected life events
  • Wanting to support colleagues during crisis moments
  • Enterprise health systems carry material PTO liabilities disclosed on financial statements
  • Struggling to take time off without impacting their team

Traditional benefits don’t solve this because they don’t use what employees already have.

Core Capabilities
Make Your Values Visible Without Adding Cost

PTO Exchange turns unused PTO into flexible, employee-driven choices that support real-life needs.

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Financial Flexibility for Employees

Employees can convert unused PTO into options like: Emergency cash, Retirement contributions, Student loan payments

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Leave Sharing That Actually Works

Enable employees to support one another during critical life moments without creating administrative burden.

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Charitable Giving Aligned to Your Values

Let employees donate PTO value to causes that matter to them and align with your organization's values.

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Recognition That Feels Meaningful

Transform PTO into a tool for acknowledging and supporting employees in ways that matter.

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When Policy Becomes Personal

A nurse on your team is dealing with a family medical emergency.

She doesn’t have enough time off. Her colleagues want to help, but the system doesn’t allow it in a meaningful way.

With PTO Exchange, that changes.

A fellow caregiver donates a portion of their accrued PTO. That time is converted into real financial support, helping cover expenses during a difficult moment.

This is where a benefit becomes part of your culture.

EXCHANGE OPTIONS SECTION
For Values-Driven Organizations, This Isn't Just a Benefit. It's an Extension of Your Culture.

The best organizations are built on principles like dignity, stewardship, and service, not just margins. PTO Exchange aligns directly with those values:

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Stewardship

Maximizing the value of existing resources

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Dignity

Giving employees meaningful financial choice

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Service

Enabling employees to support one another

HOW IT WORKS

Simple for Employees.Simple for HR.

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Employees accrue PTO as they do today

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They choose how to use unused time through PTO Exchange

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Value is converted into selected options

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Everything is managed within a compliant, structured framework

How it works
Explore How Organizations Are Rethinking PTO
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Guide: Creating a Positive PTO Culture

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Blog: How a New Approach to PTO Can Help Address Healthcare Burnout

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How Time Off Prevents Employee Burnout — and Why Most Organizations Are Getting It Wrong

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Guide: How Your Organization Can Keep Employees Financial Healthy

Start Building a Culture That Supports Your Caregivers

You’ve already invested in your people. PTO Exchange helps you unlock that value and turn it into something your employees can actually feel.

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Learn More
FAQ

Frequently Asked Question

01

What is a Life Planning Account?

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  • An LPA is an employer-funded wellness spending account. Employers define approved spending categories and a reimbursement budget; employees spend within those categories and are reimbursed — or use pre-loaded debit cards for eligible purchases.

02

How is an LPA different from an HSA or FSA?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

03

Can employees fund their LPA with PTO value?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

04

Who handles administration?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by