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

Hurricane Knocked The Power Out? New Orleans Firemen’s FCU Is Ready.

  Hurricane Knocked The Power Out? New Orleans Firemen’s FCU Is Ready. The next big storm in the Gulf isn’t an “if,” it’s a “when,” but the small Gulf-area credit union has a plan to help the community get back on its feet when the time comes. Aaron Passman This article is part of Callahan & Associates’ “ CDFI Grants In Action ,” a limited editorial series that showcases how credit unions leverage CDFI funding to advance their mission and deliver measurable impact for members. To learn how CDFI certification can change lives and unlock opportunities at your credit union, visit  CU Strategic Planning , A Callahan Company. When hurricanes rip through the Gulf, they leave behind disrupted lives and disconnected communities. In those moments, access matters as much as empathy. When disaster strikes,  The New Orleans Firemen’s Federal Credit Union   ($275.0M, Metarie, LA) is ready to roll with a mobile branch that brings back banking to the front line of recovery. The...

Sunday Reading - Lake Manly Returns

  Lake Manly Returns   An ancient lake has  reemerged in California's Death Valley National Park following record rainfall this year.  Between 128,000 and 186,000 years ago, meltwater from ice covering the Sierra Nevada fed rivers that emptied into Badwater Basin, North America’s lowest point at 282 feet below sea level. The steady flow sustained Lake Manly, nearly 100 miles long and roughly 600 feet deep. The lake disappeared as Death Valley evolved into the driest place in North America , with some areas receiving under two inches of rain annually. This year, however, the park received 2.41 inches between September and November, marking its wettest autumn on record and triggering the temporary return of a shorter, shallower Lake Manly.  Above-average rainfall periodically brings Lake Manly back, including in 2023 when Hurricane Hilary dumped 2.2 inches of rain on a single August day, allowing visi...

The US Senate makes major step towards recognizing firefighter cancers as line‑of‑duty deaths

   18 Dec 2025 The US Senate makes major step towards recognizing firefighter cancers as line‑of‑duty deaths en Fire Fighter´s Advocacy   Firefighter Cancer   Firefighter Unions   Firefighter's Health   Line of Duty Deaths The US senate  has passed the   Honoring Our Fallen Heroes Act , recognizing firefighter occupational cancers as line‑of‑duty deaths and extending federal benefits to families. This marks a shift in U.S. policy towards aligning with decades of advocacy by firefighter unions and survivors. According to a statement on IAFF.org,  the passing of the Act in the Senate is a "major step forward for the thousands of survivors who have been denied PSOB benefits after losing their loved one to cancer...  It now moves to the U.S. House of Representatives for consideration." According to IAFF.org, the Honor Act has strong bipartisan support in both chambers of Congress. A companion bill in the House ( H.R. 1269 ) currently has 152...

Fed to Keep Rates Higher Even Longer; CU Economists Still See Chance for Cuts Soon

CU trade economists think another good inflation report or two might convince the Fed to lower rates twice this year. By Jim DuPlessis | June 12, 2024 at 04:11 PM Fed Chair Jerome Powell speaks at a news conference in Washington, D.C., Wednesday afternoon. The Fed kicked the can down the road Wednesday, keeping rates at their current high level and signaling that it will take more time in reducing them. The Federal Open Market Committee (FOMC) ended its two-day meeting Wednesday with a decision to maintain the federal funds rate at 5.25% to 5.50%. Its projection report showed half of FOMC members expect the rate to fall to 5.1% by year's end, indicating one 25-basis-point rate cut this year. In March, the median expectation was for two rate cuts. Fed Chair Jerome Powell said half of members expect rates will fall to 3.1% by end of 2026. The FOMC's four remaining meetings this year are July 30-31, Sept. 17-18, N...

NCUA"s new video module provides best practices for merging

The three-part video module provided by NCUA, available online   here , examines current trends in mergers, when a credit union board should consider a merger and how to negotiate a merger agreement that best serves the credit union’s interests. Every credit union should discuss the possibilities of a future merger in their strategic planning.

Is it a ‘skip’ or a ‘pause’? Federal Reserve won’t likely raise rates next week but maybe next month

WASHINGTON — Don’t call it a “pause.” When the Federal Reserve meets next week, it is widely expected to leave interest rates alone — after 10 straight meetings in which it has jacked up its key rate to fight inflation. But what might otherwise be seen as a “pause” will likely be characterized instead as a “skip.” The difference? A “pause” might suggest that the Fed may not raise its benchmark rate again. A “skip” implies that it probably will — just not now. The purpose of suspending its rate hikes is to give the Fed’s policymakers time to look around and assess how much higher borrowing rates are slowing inflation. Calling next week’s decision a “skip” is also a way for Chair Jerome Powell to forge a consensus among an increasingly fractious committee of Fed policymakers. One group of Fed officials would like to pause their hikes and decide, over time, whether to increase rates any further. But a second group worries that inflation is still too high and would prefer tha...

Involved in a data breach? Here’s what you need to know

  Involved in a data breach? Here’s what you need to know Posted: September 21, 2023 by Anna Brading If you've received a message from a company saying your data has been caught up in a breach, you might be unsure what to do next. We've put together some tips which should help you when the (more or less) inevitable happens. 1. Check the company’s advice Every breach is different, so check the company's official channels to find out what's happened and what data has been breached. Organizations often put out a rolling statement on their website, blog, or X (Twitter). Follow any specific advice they offer first, and keep an eye out for any further communications. 2. Change your password If your password has been caught up in a breach, you should immediately change it. If you've used the same password on another site or service then you also need to change that. Cybercriminals will often try one password on multiple sites because they know people reuse them, so make s...

7 Things to Do (And Avoid) with SMS/Text in Credit Union Marketing

By not using SMS text messaging for marketing, you are missing a channel with a 98% open rate and a rapid response rate. Consumers love the convenience and are open to receiving personalized and relevant texts from their bank and credit union. Naturally there are some caveats to be aware of. Here are seven pointers. Are you content to have your customers take 90 minutes to respond back to a communication you’ve sent, or would 90 seconds be better? That’s the difference in average response times between email and SMS text. Then there is the open rate: SMS texts have high open rates — up to 98%, according to Gartner and 82% by another source. The average open rate of email is around 20%. If you send an email with a link to a survey to find out what a consumer thinks about the virtual meeting with a lending officer they just had, it may linger in the consumers’ inbox for days, at which point the experience is no longer top-of-mind or the consumer decides to simply delete the ...

NCUA promises flexibility in examinations and the flexibility to prudently adjust or alter member loan terms

In an effort to help members through the coronavirus crisis, the NCUA will give credit unions the flexibility to prudently adjust or alter member loan terms and will not subject those decisions to “examiner criticism,” agency Chairman Rodney Hood said Monday. Hood, in a letter to credit unions , outlined the steps the agency is taking to address the health emergency. Those steps include requiring all agency staff to work offsite through March 30. All examination work will be conducted offsite as well, the agency said. “A credit union’s efforts to work with members in communities under stress may contribute to the strength and recovery of these communities,” Hood wrote in outlining steps that credit unions may take to help members. Those steps include: Waiving ATM fees and increasing ATM daily cash withdrawal limits. Waiving overdraft fees. Waiving early withdrawal penalties in time deposits. Easing restrictions on cashing out-of-state and non-members checks. Easing credit terms f...

The federal government is making it impossible to be small

Bank Lawyer's Blog July 24, 2016 Credit Unions and Community Banks Both Face "Shrinkage" In his recent email newsletter (email marvin.umholtz@comcast.net for a subscription), credit union consultant Marvin Umholtz discusses the fact that credit unions face the same problem of "shrinkage" that we have discussed on this blog for some time with respect to the community banking industry . Not surprisingly, both segments of the financial services industry suffer from the same disease: crushing regulation. On July 8th the Editor In Chief for the Credit Union Journal, Lisa Freeman, launched an initiative exploring reader attitudes about the serious question of whether 74% of the credit union industry is "too small to survive" www.cujournal.com/news/opinions/forget-about-too-big-to-fail-for-cus­its-too-small-to-survive-1026267-i.html. The massive regulatory burden, much of it sourced by the federal government, had been identified as the primar...