I'm aware that UHG/Optum does not pay out any accruals. So, if one zeros out their time and then leaves without giving any notice, can they do anything to you?
(Beyond putting you on the Do Not Rehire list)
What if you are on PTO and give notice that your last day will be the day your were supposed to return to work?
If you are out on PTO and give notice stating that your last day will be the day you were supposed to return to work, UHC may say that your last day of employment is the day you gave notice–basically immediate termination. That means you'd only get paid up until the day you gave notice and wouldn't get paid through the end of your planned PTO.
Take all your PTO and then quit when you come back. You earned the time so use it up if you can. Otherwise, just cut your losses, give your notice and be done. Or cross your fingers that you get on the March severance list and you get a decent severance package.
Take it all out then you say adios to the cesspool of capitalists profiteering off of the sick and health insurance payments.
What could they do? You cannot take any PTO once you give notice. I would take all the PTO you have then quit.