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if you leave your job, the company has to pay for your unused vacation days as part of your severance if you have a set number of vacation days.

In that case just take PTO before handing in your notice.

Incidentally, I just helped a family member work around the process of quitting his job and moving to a new one.

Their contract basically states:

1. PTO can't be paid out at the end of employment

2. PTO can't be used to quit the job

3. PTO can't be used _the entire last month_ of your employment with them

Which is nuts

If that is based on calendar month, and not rolling 30-day period, then quit at the beginning of the month