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

New Year’s Resolution: Getting Your Estate in Order

        Helping families and their businesses plan for the future     Your Most Important New Year’s Resolution: Getting Your Estate in Order   Happy New Year to all. Every January, millions of Americans resolve to lose weight, exercise more, or learn a new skill. These are admirable goals. But there’s one resolution that matters more than all of them combined—one that most people avoid because it forces them to confront their own mortality. Get your estate in order. Not next year. Not when you retire. Now. The Problem With Tomorrow Here’s what I see constantly...

Leasing Set To Surge In 2026?—Credit Unions May Miss Out If They Don’t Move

  CINCINNATI—As credit unions look to revive auto lending in 2026 after a sluggish year, one lending tool may become indispensable: vehicle leasing. With new-car prices still historically high, negative equity rising, and manufacturers fighting for market share, leasing is poised for a major rebound this year—and credit unions that remain on the sidelines risk losing out on strong, recurring loan volume. That’s the message from Scot Hall, executive vice president at  Swapalease.com , who says the economic and market dynamics heading into 2026 are aligning in ways that make leasing not only attractive, but essential. “Prices are up and they’re not coming down anytime soon,” Hall said, noting that inflation, tariffs, supply volatility, and chip-related uncertainty continue to push vehicle pricing higher. “Leasing is a great way to combat that. It’s also a great way to get somebody out of negative equity in a relatively short period of time.” Market Conditions Are Setting the Sta...

NCUA Issues 2026 Supervisory Priorities Letter to Credit Unions

Alexandria, VA (January 14, 2026)  ― The National Credit Union Administration (NCUA) today announced its 2026 Supervisory Priorities, which continue the agency’s policy of “No Regulation by Enforcement,” while prioritizing safety and soundness. This policy underscores NCUA’s commitment to providing clarity and transparency in its oversight. The letter outlines NCUA’s priorities for the year and provides information to help credit unions prepare for examinations. This year, the agency will continue to focus on risk-based supervision, tailoring the examination scope to the credit union’s unique risk profile. Key Highlights of the 2026 Supervisory Priorities: Risk-Focused Examinations:  Examiners will concentrate on areas posing the greatest risk to credit union members, the credit union system, and the Share Insurance Fund. Balance Sheet Management and Lending:  With loan performance at its weakest point in over a decade, examiners will review credit risk management practic...

Syracuse Fire Department Credit Union

 Congrats, Tonia, on your promotion! ================================================= Remember, you're not alone with  NCOFCU.org Join/Upgrade Check out some of NCOFCU's additional features: First Responder Credit Union Academy Financial Literacy Podcasts YouTube Mini's Blog Job Board

A 10% Cap, A Busy Congress, And Big Stakes For Credit Unions This Week

WASHINGTON—Credit union trade groups entered the week in Washington closely monitoring developments after President Trump’s proposal for a nationwide 10% cap on credit card interest rates, even as Congress returns to work on funding, financial services reform, and digital asset legislation. Both the Defense Credit Union Council and America’s Credit Unions say the rate-cap proposal poses an immediate threat to consumers credit unions disproportionately serve, while a fast-moving legislative agenda could shape the industry’s operating landscape for years. DCUC President and CEO Anthony Hernandez said the defense-focused trade group mobilized within hours of the President’s announcement, warning the cap could sharply limit access to credit for junior enlisted servicemembers, young officers with student loan debt, and federal workers already strained by a potential shutdown. Anthony Hernandez Hernandez said DCUC began responding within hours, providing comments to the press Friday night an...

Sunday Reaing - Can the seasons really make you depressed?

    Can the seasons really make you depressed? Seasonal affective disorder   is a form of depression that repeats during predictable seasonal shifts, impacting an estimated 5% of the global population—predominantly women. Symptoms of the condition occur with significant cyclical changes in daylight hours, with prevalence increasing in regions north of 40 degrees latitude (less commonly in the Southern Hemisphere). Its etiology—or root cause—remains unclear to researchers. Though “winter blues” are commonly reported, SAD is a distinct, diagnosed subtype of major depressive disorder first formally described in 1984 ( see criteria ). Key symptoms—lasting roughly four months each year—resemble common depression: fatigue, increased sleep, carbohydrate cravi...

What Could Tokenized Deposits Mean for CUs?

WASHINGTON—Noting that the FDIC has expressed support for tokenized deposits as insured bank liabilities, not experimental digital assets, a new analysis offers some insights into what that could mean for financial institutions, credit unions and the market in 2026 and beyond.  As PYMNTS Intelligence pointed out in its report, regulatory clarity reduces risk for banks moving from pilots to live deployments, and large banks and infrastructure providers are already testing real-world tokenized deposit use cases.  “At its simplest, tokenization converts an existing claim into a digital representation on a distributed ledger,” the report explained. “The underlying asset does not change, but the infrastructure that tracks ownership and settlement does. In banking, that distinction is critical. Tokenized deposits do not create new money. They represent traditional bank deposits, issued and redeemed by regulated institutions but designed to operate on modern, programma...

IRS Issues Ruling on Federal Credit Unions and COVID Credit

WASHINGTON–The Internal Revenue Service has issued a ruling that credit unions can receive a 2021 COVID Credit, but not 2020. In other words, federally chartered CUs can’t claim the employee retention credit for periods in 2020 but can do so for periods in 2021, because later amendments to the terms of the credit made them eligible, according to the IRS. Specifically, FCUs can’t claim the credit for wages paid after March 12, 2020, and before Jan. 1, 2021. The ruling was issued by the IRS Office of Chief Counsel in a newly released legal  memorandum . According to the IRS, FCUs are able to claim the credit for wages paid after Dec. 31, 2020, and before Oct. 1, 2021, the IRS said. The Employee Retention Credit (ERC) – sometimes called the Empl...

Trump Revives 10% Credit Card Rate Cap Proposal, Offers No Details On Enforcement

WASHINGTON — President Donald Trump on Friday renewed a campaign promise to cap credit card interest rates, calling for a one-year limit of 10% beginning Jan. 20, though he offered no details on how such a cap would be enforced or implemented, Reuters reported. In a post on Truth Social, Trump said he was “calling for a one-year cap on credit card interest rates of 10%,” arguing that consumers have been unfairly treated by credit card companies. The White House echoed the claim on social media but did not provide additional guidance, and did not immediately respond to Reuters’ request for clarification, the news outlet said. Analysts have long said any such cap would require congressional action. While lawmakers in both parties have expressed concern over high credit card rates, Republicans hold narrow majorities in both chambers, and no legislation establishing a 10% cap has been enacted, Reuters noted. Several bipartisan proposals already exist. Senators Bernie Sanders and Josh Hawle...

MyBoardPacket.com Offers Discount to Firefighter Credit Unions

Discount for NCOFCU Members: 25% off MyBoardPacket.com fees (25% off standard fees) Additional Discount for Member CU's Under $50M Asset Size.      Try  DEMO for pricing and indicate referred by “NCOFCU” To receive discount, please use the following form and mention you were referred by "NCOFCU Member Discount " http://www.myboardpacket.com To request a 10 minute demo CLICK HERE and be sure you let them know you heard about them from NCOFCU to receive your discount. Key Features Securely upload & view Board Packets anytime Supports Multiple File Formats Online Voting Archive all past Board Packets Online Discussion View full board calendar, committee schedules & important dates SOC 2 Two Step Authentication High-grade Encryption Free iPad App with Annotation Features MyBoardPacket.com is a practical, online board packet management system that allows businesses of all sizes to securely manage, organize, cont...