Skip to main content

Long COVID can be a life-changing disability

COVID has changed the employment landscape in the last few years and will continue to have an impact for years to come.  With over 81 million people diagnosed with COVID, according to the AMA, it is estimated that 10-30% of those patients will develop residual symptoms or medical complications, known as long COVID, for months or years to come.

Long COVID can be a life-changing disability

Employees may unknowingly be suffering from symptoms that can impact their ability to work such as chronic fatigue, brain fog, mental illness, chronic shortness of breath, migraines, and other complex medical issues.  COVID is not just a respiratory disease, but a multi-systemic inflammatory disease, and employers need to understand their social and legal obligations to their employees. Failure to understand these obligations can be costly to employers directly from discrimination lawsuits, workplace injuries or other liability for other accidents caused by employees or product liability from substandard production, as well as, indirectly in the costs to re-hire or retrain.  Employers may have made it through the COVID shutdowns and disruption from COVID in 2020 and 2021, but long COVID can result in continued disruptions and financial implications long into the future.

Disability-related legal obligations of long COVID

The US Department of Health and the Department of Justice have released guidance that explains that long COVID can be a recognized disability under the Americans with Disabilities Act (ADA).  So, when a truck driver returns after a bout of COVID, complains to his manager that he is unable to take any long-haul routes and requests to be placed on short-haul routes because of his chronic fatigue, the manager must be prepared and trained.  Employers need to avoid the pitfalls that can lead to lawsuits for discrimination.  There may be no outward signs of disability, but it is important that managers are trained to remove their personal or political beliefs about COVID and recognize when an employee is asking for an accommodation related to their disability.  Managers should also be trained to begin the interactive process with an employee to determine if a reasonable accommodation could or should be made. In this example, an untrained manager that will simply fire this individual will get the company in trouble and on the wrong side of a lawsuit.

Safety issues from long COVID

All employers have a general duty to provide a safe working environment for their employees, as mandated by OSHA.  With potentially 24 million employees suffering from long COVID symptoms, there is a greater risk of workplace injuries and accidents.  Especially in heavy labor industries or any industry with driving exposure, chronic fatigue, brain fog, and other long COVID symptoms present an inherently greater risk of employees sustaining an injury to themselves, co-workers, or even the public.  It is important that employers ensure that their employees can perform the essential functions of their positions.  Adopting a physical ability testing program for these heavy labor functions presents an option to prevent or reduce workplace accidents.  Also, encouraging physical fitness, partnering with a local gym for discounts, or enhancing the benefits package with these amenities can help improve the fitness of employees and potentially avoid serious workplace injuries.

Employers must remember that if they have a serious event such as an employee working on an assembly with brain fog, who has a crush injury from a machine and is admitted to the hospital, this must be reported to OSHA.  When OSHA investigates, they will look at the whole operation, not just the accident.  OSHA violations can lead to thousands of dollars in fines and penalties, not to mention that the severity of the employee’s injuries will likely lead to an increased workers’ compensation premium.  These are also financial considerations employers must face with employees who continue to suffer from long COVID conditions.

Long COVID’s impact on attracting and retaining staff

In order to retain the best employees and hire the best, employers have a social obligation to support their employees with flexibility and benefits.  With unemployment at its lowest point since the pandemic began, employers continue to struggle to fill open positions and retain staff.  Robust benefits offerings can help retain staff and entice new recruits.  Consider adding an EAP program or enhancing discount offerings to gyms or wellness programs that are enticing to employees and can help improve their overall health and well-being.  For those employees suffering from long COVID, these programs can provide the additional resources they need to assist in recovery, such as mental health treatment.  It’s also important that employees know what is available to them, so employers should send monthly reminders of the benefits they have or offer incentives to encourage their use.  Wellness programs such as those where employees can receive a free Apple watch can be very enticing to employees to encourage participation.  A healthier workforce will lead to less financial disruption now and into the future.

Long COVID will play a pivotal role for employers now that we are beyond the initial impacts of the pandemic.  Those employers who are prepared and plan for these complications will be better positioned for the future impacts.  Understanding the social and legal obligations of employing those with long COVID will lessen the direct and indirect costs that can arise from events and accidents sustained by these employees.

Julie Cirillo is the chief risk officer at Engage PEO. She has more than 20 years of experience in workers’ compensation litigation, claims management, and risk management. She is a former workers’ compensation defense attorney and has held multiple senior roles in management, claims, loss prevention, risk management, and sales.

Comments

Popular posts from this blog

Sunday Reading - Individual Retirement Accounts

  Individual Retirement Accounts     Inside IRAs Individual retirement accounts, or IRAs, are tax-advantaged   investment accounts that help individuals save for retirement. The money you put into an IRA is used to invest in stocks, bonds, and other assets. Anyone who earns an income—regardless of whether they are a full-timer, a part-timer, or a contractor—can open and invest in an IRA. IRAs are often good solutions for people who don’t have the option to invest in a 401(k) ( 1440 Topics )—or for those who want to put even more money aside for retirement.   Depending on the type of IRA someone gets, they will have access to either a tax-deferred or...

Sheehans Consulting LLC - "We only have one goal in mind!"

We have one goal in mind: “What is best for you? We achieve strategic initiatives, develop products, optimize profitability and productivity through best practices, and make our firm a strong asset for professional services.  With over 30 years of experience in public administration, credit union, and association management, I have developed a solid track record in leadership and development.  Please visit us at https://www.sheehansconsultingllc.com/ to learn more about what we can do for you.   _________________________________________ Check out some of NCOFCU's additional features: First Responder Credit Union Academy Financial Literacy Podcasts YouTube Mini's Blog Job Board

Trump Administration Reverses Course, Restores CDFI Fund Staff In Major Win for Credit Unions

WASHINGTON—In a sharp reversal of the Trump Administration’s earlier move, the mass reduction-in-force (RIF) notices issued to all employees of the CDFI Fund last month have been rescinded, according to internal emails reviewed by Punchbowl News. The notices had threatened terminations in December as part of a broader effort by the Office of Management and Budget (OMB) under Director Russ Vought to pressure congressional Democrats to drop their objections in the budget-funding fight. For the credit-union movement, the signal is loud and clear: critical community-development infrastructure may yet be preserved, sources stated. “Reinstating the entire CDFI Fund staff is an essential and welcome step toward restoring a program that has proven itself indispensable to underserved and military communities,” said DCUC Chief Advocacy Officer Jaso Stverak. “The CDFI Fund isn’t just another federal initiative—it is a lifeline for servicemembers, veterans, and low-income families who rely on miss...

Best Places to Retire

  List: Best Places to Retire Midland, Michigan , was ranked the best place to retire , according to a ranking of 850 cities by U.S. News . The top locations had the best mix of affordability, quality of life, health care access, and other benefits. The top five were rounded out by Weirton, West Virginia , Homosassa Springs, Florida , The Woodlands, Texas , and Spring, Texas . Midland scored top marks on walkability , culture , retail establishments , and restaurants . The town is just a short drive from beaches at the edge of Lake Huron . The top 25 included nine cities in Florida and six in Texas. See the full list here . _________________________________________ Check out some of NCOFCU's additional features: First Responder Credit Union Academy Financial Literacy Podcasts YouTube Mini's Blog Job Board

Now Available - "Financial Literacy" From NCOFCU

https://www.ncofcu.org/financial-literacy The National Council of Firefighter Credit Unions (NCOFCU) is dedicated to enhancing financial literacy among our members, members, particularly targeting the Millennial and Gen Z demographics. We are excited to share our engaging financial education video series, designed to address their key concerns regarding earning, saving, and spending money wisely. Here are several critical financial lessons that can significantly impact your personal finance management and long-term financial health. Discover how staying informed and educated about financial products and market trends can empower you to make smarter financial decisions. https://www.youtube.com/playlist?list=PLT3lzRTXnHw4LjHuOIk31eTDxaQ7J7B0f   _________________________________________ Check out some of NCOFCU's additional features: First Responder Credit Union Academy Financial Literacy Podcasts YouTube Mini's Blog Job Board

Fed Governor Warns ‘Global Stablecoin Glut’ Could Reshape Monetary Policy

  NEW YORK—Federal Reserve Governor Stephen Miran believes the rapid rise of stablecoins could become a major force shaping U.S. monetary policy. Once seen as a niche digital tool for crypto traders, stablecoins have evolved into a global conduit for dollar-denominated transactions, enabling users worldwide to store value and move capital more efficiently. Their growing prominence, Miran noted during his speech at the BCVC Summit 2025 at the Harvard Club, reflects continued demand for dollars—and with the GENIUS Act now providing a clear regulatory framework for U.S.-issued stablecoins, the sector is poised for broader adoption across payment systems. Stephen Miran Stablecoins’ link to the U.S. dollar is reinforcing the currency’s global dominance while simultaneously creating new implications for monetary policy. Miran argued that stablecoins are already increasing demand for U.S. Treasury bills and other dollar-based assets, especially from investors outside the United States. Th...

Trump Administration Declares CFPB Funding Illegal, Bureau’s Cash To Run Out By Early 2026

WASHINGTON—Credit-unions face a potential regulatory vacuum as the Trump Administration formally has determined the CFPB’s current self-funding mechanism unlawful—a move that could put the agency on a path to closure in early 2026 unless Congress steps in. For credit-union leaders, who rely on the Bureau’s oversight of consumer-finance markets and enforcement of unfair practices, the decision signals a major disruption to the regulatory environment CUs navigate daily. In a court filing released late Monday, the Administration declared that the CFPB is now legally barred from seeking additional funds from the Federal Reserve System—the agency’s usual funding source under the Dodd‑Frank Wall Street Reform and Consumer Protection Act, POLITICO reported. That means the Bureau’s remaining resources will likely carry it only through the end of the year, after which it “anticipates exhausting its currently available funds in early 2026.” CUToday.info has tracked this story, noting in  Oct...

Vehicle Shortage Wreaking Havoc with Car Buyer’s Pocketbooks

Washington, D.C. – As Americans begin to see the light at the end of the COVID tunnel, record numbers of buyers are venturing back into auto showrooms. “The problem,” says Jack Gillis, CFA’s Executive Director and author of The Car Book, “is that vehicle inventories are way down which means it’s a sellers’ market. Limited supply is a price-conscious car buyer’s biggest enemy.” Vehicle inventory is down by about 30 percent which means car dealers have little incentive to negotiate. “The rule of thumb that nobody pays ‘sticker price’ for a new car has fallen by the wayside as dealers stick to the manufacturers suggest retail price (MSRP) on the vehicle label,” said Gillis. In fact, for some particularly popular vehicles in short supply, dealers are charging prices above sticker price. Gillis’s advice on the best way to deal with this reality: “If you don’t need to replace your car right now, you should wait.” The widely reported computer chip shortage and other repercussions from th...

Who's Wearing Swim Trunks, and Who Isn't?

01/21/2023 CUToday By Chip Filson  “Everyone looks like a business genius when interest rates are at historic lows and money is incredibly cheap. But when the tide goes out, you see who isn’t wearing any swimming trunks.” – Warren Buffett, among others Last week, all major banks reported their 4th quarter earnings.   Credit union 5300 call reports for the same period will not be available for 60 days or more from NCUA, unless individual firms post their financials independently. There are three observations from these commercial investment and consumer banking leaders so far. Fourth quarter earnings compared with the same period of 2021 are at b...

Navigating Cryptocurrency Risks: Education Is Key

 By Lou Grilli PSCU Interest often outpaces understanding in this space; avoid scams by boosting knowledge. Although the first cryptocurrency launched in 2009, participation and speculation accelerated rapidly over the last two years with terms like NFT and dogecoin entering the daily lexicon. However, interest often outpaces understanding in the cryptocurrency discussion, and people who are just getting involved need to be aware of the security risks. Although most credit unions may not yet be involved in the cryptocurrency sphere, education is essential to avoid dangerous crypto scams. Crypto 101 Designed to unlock new forms of financial operation, cryptocurrency has the potential to ease and expedite payments. Transactions move at the speed of blockchain, typically requiring minutes, unlike the next-business-day timeframes for the automated clearing house network. In addition, payments made via cryptocurrency do ...