It is only 20 hours and that is the least hours PT can work (20 to 28 hours is considered PT). As you probably know, during our crazy busy time when Mandatory OT was required, they were allowing 30 hours for PT, if I remember correctly. I started PT with just 20 hours to see if it helped my health(which it did), but can consider increasing a little bit if I need a bit more money and they will allow it. It's been a good move; however, I will need to start early SS in a few months to offset the financial loss. The peace of mind is well worth it!