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

5 Red Flags: When Boards Lean Too Heavily on Management

  The Quiet Governance Risk Credit Unions Should Talk About By Grant Sheehan, CCUE | CCUP | CEO, NCOFCU Having spent many years both serving on a credit union board and leading as a CEO , I’ve had the opportunity to see governance from both sides of the table. That perspective has given me a deep appreciation for the delicate balance that must exist between management, leadership, and board oversight. When that balance works well, credit unions thrive. But when it slowly shifts — often unintentionally — it can create governance weaknesses that regulators and examiners increasingly watch for. In conversations with governance professionals and through years of industry experience, one theme keeps emerging: most governance problems don’t begin with bad intentions or misconduct. They begin with boards that gradually become too dependent on management. This is rarely obvious at first, but in fact, it often occurs within high-performing organizations. But slight patterns ca...

Where are your children banking?

  Grant Sheehan CCUE | CCUP | CEO, NCOFCU The B reach  Between Purpose and Experience Just recently, I came across a story that has stayed with me. It wasn’t dramatic in the traditional sense. There was no scandal, no crisis, no headline-grabbing failure. In fact, it was something much quieter than that. It was simply the story of an eighteen-year-old leaving his credit union. On the surface, that might not sound remarkable. Young people move their money frequently. They open new accounts, experiment with apps, follow trends, and often make financial decisions influenced by the digital tools at their disposal. But this story was different. This young man had been a credit union member since he was a few weeks old, as many credit unions do. His mother has spent her career working inside the credit union movement as an executive. For eighteen years, his financial life was connected to a credit union. If anyone might be expected to remain a lifelong member, it wou...

We Don't Need More Trade Groups!

This is a op-ed reference: New National Trade Group Forms To Champion Credit Unions Under $500M Grant Sheehan, CEO, NCOFCU Let’s be clear—representation for small credit unions is not something new that suddenly needs to be invented. For more than 150 years in Europe and 115 years in the US, many of us—along with numerous trade groups representing postal workers, schools, hospitals, the military, first responders, electricians, welders, auto workers, and many other sponsor employee groups—have been actively representing and supporting small credit unions. The mission has always been the same: protect these institutions and ensure they have a voice. The real challenge facing small credit unions has never been a lack of organizations claiming to represent them. The challenge has been engagement and education. Many small credit unions operate with extremely limited resources. Their boards are made up of volunteers who already have full-time careers. Even when scholarships, training ...

From Share Drafts to Stablecoin: Progress Is the Product

  From Share Drafts to Stablecoin: Progress Is the Product By  Jeff Rendel Expert Opinion March 09, 2026 at 08:00 AM Share & Print There was a time when the phrase "share draft" felt modern. It was progressive. It was distinct. It was proudly credit union. We didn't offer checking accounts; we offered share drafts because members owned shares in a cooperative, not deposits in a bank. It was an important distinction. It meant something philosophically and structurally. And when share drafts were introduced, they were new. Innovative. Even controversial. Somewhere along the way, however, share drafts became nostalgic. The language remained, but the behavior changed. Today, many members under 30 have never written a check. Many under 40 rarely do. Payments have migrated – steadily, predictably – from paper to plastic, from plastic to digital, from digital to embedded and real-time. This is not disruption in the dramatic sense. It is evolution. And credit unions have alwa...

Meet Spokane Firefighter Credit Union (SFCU) New President/CEO - Troy Clute

Meet SFCU's New President/CEO - Troy Clute  Troy Clute serves as the President and Chief Executive Officer of Spokane Firefighters Credit Union, bringing 29 years of experience in banking and finance. His career includes extensive leadership roles across the industry, with a strong foundation in consumer lending and member-focused financial services. Troy is a graduate of the renowned CUES CEO Institute Program, having earned the Certified Chief Executive (CCE) designation—one of the highest leadership credentials in the credit union movement. His leadership is defined by strategic vision, operational excellence, and a deep commitment to serving Spokane’s firefighter community and their families. Beyond his professional role, Troy values family above all. He and his wife, Karri, have been married for 36 years and share two grown children, Kellen and Kennadie, as well as three grandchildren—Tyus, Izze, and Major—who keep life joyful and full of adventure. When he’s not leading the c...

Outside Credit Unions - 54th Iditarod Trail Sled Dog Race

  Dog Sled Race Begins   The 54th Iditarod Trail Sled Dog Race kicked off yesterday, with hundreds of dogs amassing at the ceremonial start in downtown Anchorage, Alaska, before moving north to the official starting line. Thirty-four mushers will compete, with the race expected to end in mid-March. The race dates back to 1973, with cofounders Dorothy Page and Joe Redington Sr. seeking to honor the state’s mushing tradition. The race also honors Alaska’s Iditarod Trail—a 938-mile freight and mail route forged in 1908 that was later instrumental in responding to a diphtheria outbreak ( see more , w/video). Though the first race (1,000 miles) lasted 20 days, dogs today have become faster, reaching the finish line in Nome in roughly 10 days. There are 12-16 dogs per sled to start, as some dogs exit due to injury; mushers must finish with at least five. Norwegian billionaire Kjell Rokke will join the fray in this year’s ra...

Stablecoins Moving from Crypto Curiosity to Payments Infrastructure

At the 2026 Governmental Affairs Conference (GAC), credit union leaders heard a clear message: stablecoins are rapidly evolving from a niche crypto tool into a core component of modern payments infrastructure. Stablecoins are digital tokens typically pegged to a fiat currency like the U.S. dollar and backed by reserves such as cash or short-term Treasury securities. Initially used mostly inside cryptocurrency markets, they are now increasingly being viewed as a faster and more efficient way to move money globally . Why Stablecoins Matter The technology offers several potential advantages over traditional payment systems: 24/7 settlement instead of banking-hour restrictions Faster cross-border payments with fewer intermediaries Lower transaction costs compared with legacy payment rails Greater transparency and programmability in how funds move These capabilities are why banks, fintechs, and large financial institutions are beginning to explore stablecoins as part o...

Economic and Industry Issues

Weekly News Summary -  July 30, 2020 Press Release For Immediate Release Weekly News Summary Hello NCOFCU Members, Here are some things that were in the news last week. Please share these articles with your Supervisory Committee and Board of Directors. If you missed previous editions of the weekly news, summaries of those can be viewed at our  archive .  Have a great week! Mike Richards, CPA         The Callahan Credit Union A...

Letter to Federal Credit Unions (25-FCU-02) Federal Credit Union Post-Examination Survey

    Letter to Federal Credit Unions (25-FCU-02) Federal Credit Union Post-Examination Survey Dear Boards of Directors and Chief Executive Officers: The NCUA has been using a voluntary post-examination survey for examinations of federal credit unions since 2021. This feedback is very important and helps the NCUA evaluate our examination processes; credit unions have used the open-ended questions to submit numerous useful suggestions. To further improve the survey process, the NCUA has arranged to have the post-examination survey administered by an external vendor. The external vendor will begin administering the survey starti...

Three Tips for Better Google Searching - NYTimes.com

Here are the three tips — basic, intermediate and advanced — from Dan Russell at Google. He studies how people use the search engine and teaches classes on how to do it better , including a free online course this month, for which registration started Tuesday. He promises these tips will make you happy, and he cares a lot about that — his official title at Google is über tech lead for search quality and user happiness.----- Three Tips for Better Google Searching - NYTimes.com