Employers need to reassess their benefits provision to successfully tackle long Covid, Towergate has warned.
The health and wellbeing intermediary warns long Covid could have a big impact for employers for many months to come as a new picture of long Covid is now emerging.
This new picture shows that the chances of having long-term symptoms does not seem to be linked to how ill the person is when they first catch Coronavirus meaning many employers who thought their staff had a mild version of the illness and would be back to work soon may now find that their employees are not fit for work for many weeks or months to come.
Long Covid is defined as the presence of symptoms that last longer than 12 weeks. According to an Office of National Statistics investigation, its extensive list of symptoms can include shortness of breath, extreme tiredness, chest pain/tightness, memory and concentration issues, sleep disturbances, heart palpitations, dizziness, pins and needles, joint pain, depression and anxiety, earache or tinnitus, digestive problems – feeling sick, diarrhoea, stomach ache, loss of appetite, raised temperature, cough, sore throat, headaches, changes to sense of smell or taste and rashes.
While the symptoms of long Covid vary greatly from person to person, Towergate adds the one similarity is that it can be really debilitating, to a person’s mental or physical health, or both.
But long Covid has ramifications for the employer as well as the employee, Towergate points out. There is the issue of presenteeism, with people returning to work when they are not really well enough to do so or the opposite issue of employees not being able to return to work for some time, and not knowing when they are likely to feel well again, which of course creates staffing issues.
While anyone suspecting they have long Covid should be encouraged to speak to their GP, Towergate highlights some free online resources to which an employer can direct any employee who has, or suspects they may have long Covid. These include the NHS website and Your Covid Recovery from the NHS.
But Towergate also draws attention to the many employee benefits that can support people with long Covid. Many private medical insurance providers will often cover the care and treatment of long Covid patients which could prove a particularly valuable resource to employers in supporting their staff through the illness, and ensuring they are fully fit and well before they return to work.
Many benefits will offer access to further support not necessarily immediately associated with the initial benefit. For example, group risk products: life assurance, income protection, and critical illness, will often provide additional support. These may be through options like employee assistance programmes (EAPs), or online GP appointments.
While access to virtual GPs used to be reserved for employees covered under private medical insurance, which often meant it was limited to just a select few in an organisation, online medical services and virtual GP appointments are now also available on a standalone basis meaning they are more readily open to the whole workforce, something that could prove extremely helpful for anyone suffering from long Covid.
While EAPs can help people find much-needed support for their mental wellbeing, such as counselling services for depression and anxiety associated with long Covid, and guidance on how to cope with aspects like sleep disturbances and fatigue, occupational health and rehabilitation services schemes can also be a great support to assist employees in returning to work, Towergate adds.
According to Brett Hill, distribution director at Towergate Health & Protection, there are many support services available for employees suffering from long Covid.
“Despite this being a new and relatively unknown illness, the help to beat it and make a healthy return to work is often already available through existing benefits provision, so it’s important employers understand the detail of what their current benefits include. If employers don’t have support in place, it can be implemented. The important thing is to get the right advice.”