How to Save Money on Your Sick Days

how to save money on your sick days
Written by Oana Schneider

Money saving is a tremendously complex deal – and the truth is that in such an economy as the one we’re living in today, saving every penny can go a very long way when it comes to financial stability. There are many, many ways to save money on various parts of our lives – and this includes (but it is definitely not limited to) sick days and sick leave as well.

How can you save money on sick days and what are the circumstances in which you can do this? The article at hand aims at shedding some light on how you can save some money on sick leave and how you can reap all the benefits that come with this.

There are not so many instances when you can save money with the sick days, but for those of you who find themselves in one of the following circumstances, the ideas presented here could be more than advantageous. So, if you want to find out more about this topic, make sure to read on because we have put together some of the most important bits of information on how to save money on your sick days.


Saving Money on Sick Days If You Are a Federal Employee

It is widely known that people who work in the federal system have certain benefits other people do not necessarily have. Sick leave is one of them – and it can help you save quite a lot of money if you work in the federal system and if you choose to use your sick days in a rational, sensible and financially-savvy way.

People who work in the federal system do not only receive a certain number of paid days off in case of illness. In many cases, their sick leaves function as disability insurance policies as well. For every 10 years spent in the federal system you earn six months paid leave in case of disability.

Of course, many people would be tempted to believe that they are unlikely to have any kind of disability, but the truth is that studies show that those who are now in their 20s have a 30% chance of being disabled for a limited amount of time before they reach their retirement days. While this is not necessarily true at a general level (because it depends on a variety of factors such as the kind of job you are performing, your lifestyle, your general level of health and so on), it is more than worth taking into consideration.

Enough with the background information though. How is it that people working in the federal system can save money on their sick leaves?

Here are some of the most important ideas to keep in mind if you plan on doing this too:

1. If you do not use your sick leave as a federal employee, you will not be compensated for the unused days. HOWEVER though, all of the sick days you did not use in your service will be added on top of each other and they will be eventually added to your years of service when you retire. This will also influence your retirement benefits as well.

Keep in mind though that people who have retired before January 1st, 2014 will only have half of their unused sick days computed to the retirement benefits.

2. By accumulating sick leave, you also avoid certain costs you would have otherwise had to support.

For example, a person who makes about $60,000/year would have to pay about $40/ month for their disability insurance policy. Most insurance companies do not even offer this kind of insurance policies to federal workers precisely because they are covered both for short term disabilities (through their sick leave days) and for long term disabilities as well (through the federal disability retirement programs).

how to save money on your sick days

Always Take Care Of Your Health!

3. You increase your odds of being promoted. By not using all of the sick days, you have a much better chance of being promoted precisely because your superiors will see you as a reliable person. This also means that you will get a paycheck increase with your promotion as well. While this is not “money saving” as such, it will boost your family’s overall income.

In general, a one-step promotion increases the salary with about 2.5% – and that makes for a difference of no less than 77% more money for 10 consecutive promotions.


Saving Money on Sick Days If You Are an Employer

This may sound odd to many of you, but you can save quite a lot of money on the sick days of your employees if you are an employer. At this moment, there’s no actual federal law to oblige employers to give their employees sick leaves – but as you will see further on, there is a series of financial benefits that come with doing this nevertheless.

Read on and find out more about some of the most important ideas related to this:

1. Disease spreading. Employees who come at work when they are ill (a situation also referred to as “presenteeism”) are very likely to spread their flu and other types of contagious diseases with the other workers as well. Consequently, this can affect the work of an entire team of people (both in terms of quality and in terms of timeliness as well) – and, eventually, it will affect your business too.

A study made in 2013 by the American Journal of Public Health shows that paid sick days can reduce the spread of a flu by 5,86% and that one-two “flu days” off can reduce the risk of spreading the infection by up to (an impressive) 39.22%.

2. Fewer accidents on the job. Employees who come at work when they are ill for fear that they will lose money from their paycheck if they don’t also pose a higher risk of suffering a work-related accidents (such as a slip and fall). This can affect a company’s productivity and, in some cases, it can increase an employer’s liability in a court of law.

A study made by the Center for Disease Control and Prevention shows that paid sick days reduce the risks of work-related accidents by a staggering 28%.

3. Benefits for healthcare employers. The same study made by the Center for Disease Control and Prevention shows that there are fewer healthcare support workers (nursing, home health, psychiatric institution workers) who have paid leave than healthcare practitioners benefiting from the same type of leave.

In fact, the percentage of healthcare support workers who have sick days paid is of only 59%, as compared to 74% in the case of the healthcare practitioners.

Giving healthcare support workers paid leaves means that there’s less risk of spreading disease at workplace (and not just among the workers, but to the patients as well). Furthermore, it lowers the need of using healthcare resources and the need of using the emergency department as well – and all of these things can save money for a healthcare employer.

While many employers are giving up on offering their employees with sick leaves, you may want to consider the alternative too. The benefits mentioned above are just some of the most important ones in a longer list – and they can actually save your business quite a lot of money in the long run.

About the author

Oana Schneider

Oana Schneider is a published author located in Chicago, Illinois, who currently works for as a communication specialist and blog editor. She writes about lifestyle, family budget, has a degree in Communications and advocates for women’s rights. Her future plans include getting a Labrador and losing a few pounds.


  • When I am sick like really sick I just stay in bed or watch Netflix. Netflix I do to relax anyways and sleeping doesn’t cost me anything. I just take it easy and relax and don’t go anywhere if I don’t have to.

  • I agree, people who are sick should stay home at the risk of making other people in the office sick as well. No one likes an irresponsible employee. In the long run it’s better for employers to send their sick staff home than to let them slave away in a ‘quarantined’ corner somewhere in the office.

  • Great advice. I didn’t really think about this before as I’ve always thought there’s nothing you can actually do. But yeah, we need to be responsible and manage our time in a unique and smart way. We have to think reasonably about it and be good employees, faithful to our employers of course. I’m sure employers would appreciate that.

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