I work at an insurance agency. I've been there for a year and a half. I don't hate the job. In fact, it has the best benefits out of any job I've had before, same as pay. However, the PTO model is kind of backwards. I get 80 hours accrued PTO every year, but that's it. There is no sick time (a place that made us come in for all of covid), no vacation time. It all comes from your PTO. And there is no option to just take unpaid time off otherwise it impacts my benefits (our garbage health insurance). I understand compared to some jobs out there, these benefits are a blessing.
Up until recent events, I've been living with my grandfather. My grandmother passed away 2 years ago and shortly after, I moved in to help him and keep him company (up until recently he was very independent, so I was not his caregiver). Sadly, last week his health took a turn for the worst and he is now in hospice, unresponsive and not to recover. A bad fall that took him to the ER, and saw his health spiral from where he could have a whole conversation to being incoherent overnight.
Over the course of the last week I had to be out of work going back and forth from the hospital for my grandfather, and then spending time in the hospice with family to grieve and be there for him. He hasn't even passed yet, but I have used all of my PTO I had saved up.
Now I am at work while he is in hospice. I had been saving my PTO to go on vacation soon because I'm burnt out from work and living in a state away from all of my friends and I'm burnt out from dealing with my grandfather dying. I just want a break from everything but I have to keep working or I'll lose my health insurance. I don't know what I'm going to do, but I don't think I can handle another 6 months straight without a single week off. I only get a single day of bereavement when he does pass, too.
So I feel trapped here. I don't know what to do. I feel like I'm going to lose my mind with the stress and I feel like I can't do anything about it.