Terms & Conditions

Last Updated: March 1, 2026

By enrolling in Therapy PTO, you agree to the following Terms & Conditions. Please read them carefully.

1. Membership Overview

Therapy PTO is a membership-based paid time off (PTO) support program designed to help therapists receive partial income replacement during approved time off. This program operates as a community-funded benefit model and is not insurance.

By joining, members contribute monthly to a shared PTO fund and may become eligible for payouts according to program guidelines.

2. Eligibility

Membership is open to:

  • Licensed or associate-level therapists

  • Mental health clinicians

  • Counselors, social workers, psychologists, and related professionals

Members must be actively practicing and able to provide verification if requested.

3. 90-Day Waiting Period

All members must complete a 90-day continuous membership period before becoming eligible for PTO payouts.

This waiting period allows the community fund to build reserves and ensures sustainability for all members.

No payouts will be approved during the first 90 days of membership.

4. One-Year Commitment Requirement

All Therapy PTO memberships require a minimum 12-month commitment starting from the enrollment date.

Members may not cancel their subscription before completing their one-year term.

This policy ensures financial stability of the shared PTO fund and protects all participating members.

5. Monthly Subscription Payments

  • Monthly fees are billed automatically via secure payment processing.

  • Payments are non-refundable.

  • Failure to maintain active payment status may result in:

    • Loss of payout eligibility

    • Membership suspension or termination

6. PTO Payout Eligibility & Limits

PTO payouts are subject to:

  • Membership tier benefits

  • Annual maximum payout limits

  • Daily payout caps

  • Availability of funds within the PTO pool

Payouts are intended to provide partial income replacement, not full salary coverage.

7. PTO Request & Payout Schedule

Members must submit PTO requests through the official Therapy PTO request process.

Approved payouts are processed on either:

The 10th or the 25th of each month

Requests must be submitted at least 5 business days prior to the desired payout date.

8. Appropriate Use of PTO Benefits

PTO benefits may be requested for:

  • Vacation

  • Illness

  • Mental health days

  • Medical leave

  • Family or personal emergencies

Abuse, misrepresentation, or fraudulent claims may result in immediate membership termination and forfeiture of benefits.

9. Program Sustainability Clause

Therapy PTO reserves the right to:

  • Adjust payout caps

  • Modify benefit structures

  • Update membership policies

in order to maintain the long-term financial health of the program.

Members will receive notice of any major changes.

10. No Insurance Disclaimer

Therapy PTO is not an insurance provider and does not offer insurance products.

Participation is voluntary and benefits are paid from pooled member contributions.

11. Limitation of Liability

Therapy PTO is not liable for:

  • Loss of income beyond approved payout limits

  • Delayed payouts due to banking or processing issues

  • Personal financial decisions made by members

12. Termination of Membership

Therapy PTO reserves the right to terminate membership for:

  • Policy violations

  • Fraudulent activity

  • Non-payment

  • Misrepresentation

Termination may result in forfeiture of remaining benefits.

13. Agreement Acceptance

By enrolling in Therapy PTO, you acknowledge that:

  • You understand these Terms & Conditions

  • You agree to all policies stated above

  • You accept the financial responsibilities of membership