All risk reward. I have decided to take the money now if they approve it. Worst case scenario is that things don't pick up quickly enough, the company goes into admin, and there is no money available for redundancy entitlements. Leave won't be accrued at the same rate and value for much longer I suspect. Changes to MGH will also reduce future payout amounts possibly. Finally, reading some of the attitudes displayed on this thread has made me realise I really don't want to work for the company anymore, and have to listen to endless garbage in the middle of the night from the Norms.