You can bank/save up to twice your accrual before you start losing vay-cay pay.
Ie: When I'd been here 5 yrs, I could accrue 2 weeks/yr but could bank up to 4 weeks before I'd start losing it.
I used personal holidays to tide me over during hr cuts then vay-cay hrs when I ran out of PH.
No sick pay in our parts.