Key Points
Question
What are the differences in long-term financial and work outcomes among individuals with self-reported long COVID (LC) vs those with resolved or never LC?
Findings
In this cohort study of 3663 participants, financial and work outcomes were worse in participants with current LC up to 3 years after initial infection. COVID-19 vaccination was associated with better work and financial outcomes.
Meaning
This cohort study found that worse financial outcomes associated with LC were sustained up to 3 years after SARS-CoV-2 infection but were mitigated by prior vaccination.
This cohort study describes differences in work and financial outcomes among individuals with current, resolved, and no LC up to 3 years after initial infection
Abstract
Importance
While much of the focus on long COVID (LC; defined as developing new, persistent symptoms lasting 3 months or longer after SARS-CoV-2 infection) has been on health status and quality of life, the impact on individual work productivity and financial distress are less well established.
Objectives
To assess differences in work and financial outcomes among individuals with current, resolved, and no LC up to 3 years after initial infection.
Design, Setting, and Participants
This prospective, multisite, longitudinal cohort study enrolled adult participants (age ≥18 years) with at least 1 reported SARS-CoV-2 infection from December 7, 2020, to August 29, 2022. Follow-up electronic surveys were collected through April 2, 2024. Data were analyzed from January 20 to February 4, 2025.
Exposure
Self-reported resolved or current LC and vaccination status.
Main Outcomes and Measures
Financial toxicity was measured using Comprehensive Score for Financial Toxicity–Functional Assessment of Chronic Illness Therapy (FACIT-COST), and work impact was measured using the Work Productivity & Activity Impairment questionnaire (version 2.0).
Results
Of 3663 participants (mean [SD] age, 40.2 [14.2] years; 2429 [66.3%] female), 994 (27.1%) reported current LC, 2604 (71.1%) never had LC, and 65 (1.8%) had resolved LC. Participants with current LC reported more overall work impairment due to health (mean [SD], 17.7% [25.3%] of total hours worked per week) compared with those who never had LC (mean [SD], 3.2% [11.8%] of total hours) and resolved LC (mean [SD], 5.6% [12.2%] of total hours), with significantly increased odds of any work impairment compared with those who never had LC (adjusted odds ratio [aOR], 7.24; 95% CI, 5.68-9.21). The current LC group had increased odds of missing work due to their health (aOR, 2.62; 95% CI, 1.93-3.57) and of experiencing work impairment (aOR, 11.82; 95% CI, 8.90-15.70) compared with the group who never had LC. Individuals with current LC had increased odds of having moderate to high FACIT-COST scores compared with those who never had LC (aOR, 5.20; 95% CI, 3.92-6.89) and compared with those with resolved LC (aOR, 3.16; 95% CI, 1.19-8.41). Participants who were vaccinated had lower overall work impairment (aOR, 0.71; 95% CI, 0.55-0.92), impairment while working (aOR, 0.66; 95% CI, 0.50-0.87), impairment of nonwork activities (aOR, 0.74; 95% CI, 0.57-0.96), and financial toxicity (least-squares mean difference, 1.07; 95% CI, 0.19-1.95) compared with those who were not vaccinated.
Conclusions and Relevance
In this prospective cohort study of adults with SARS-CoV-2 infection, participants with current self-reported LC reported worse work impairment, missed work, and financial distress compared with those who never had LC, while vaccination was associated with improved work outcomes and less financial distress even among individuals with LC. These data underscore the need for postpandemic assistance programs, as well as vaccination to decrease societal harms.
Introduction
There have been more than 777 million reported cases of COVID-19 worldwide.1 Among individuals with COVID-19, approximately 13% will develop new persistent symptoms lasting 3 months or longer, a condition commonly referred to as long COVID (LC).2 Symptoms of LC can be myriad, with the most common including fatigue, dyspnea, concentration, and memory issues.3 These can have a profound impact on quality of life, with markedly worse outcomes among individuals with LC compared with those without.4
While most prior LC research has understandably focused on health status and health care–related quality-of-life outcomes, the impact of LC on individual work productivity and the financial toxicity of LC are less characterized. The macroeconomic effects of the pandemic are well established, while the individual financial toll and impact on return to work remain underexplored. Early research suggested that rates of return to work among individuals with persistent LC varied widely, ranging from 10% to 100%.5 Many of these studies were limited by small sample sizes, short follow-up periods, and high percentages of participants experiencing prolonged hospitalizations or intensive care unit stays. A 2024 meta-analysis reported that approximately 60% of individuals with LC returned to work by 12 weeks, with many experiencing work restrictions.6 However, there remained marked heterogeneity across studies with regard to time period and study populations, and many studies did not use validated tools for assessing return to work or work productivity. Moreover, these studies primarily took place in Europe, with no studies in the meta-analysis conducted in the US. Given the unique work culture in the US and a population exceeding 340 million people, it is imperative to better understand the impact of LC on return-to-work in this setting. Additionally, given debates in society around benefits of vaccination, defining the impact of LC on individual return-to-work is critical to inform such debates.
Considering the substantial number of people impacted by LC, it is also important to understand the financial impact of LC at an individual level. One study of LC among people in the United Kingdom reported worse subjective ratings of financial well-being in individuals with LC.7 Another study reported an association with reductions in overall income.8 However, much of the prior research has focused solely on income or has used subjective tools, with limited understanding of the broader financial impact assessed by more comprehensive and validated tools. Financial toxicity provide a more robust measure to report the economic burden of medical care for patients that can impact well-being and quality of life.9 To address these gaps, we sought to use data from the Innovative Support for Patients with SARS-CoV-2 Infections Registry (INSPIRE) study to analyze return to work, work productivity, and financial toxicity among individuals with current LC, resolved LC, and no LC.
Methods
This cohort study received institutional review board approval at all participating institutions. All participants provided written informed consent. This study was prospectively registered on ClinicalTrials.gov (identifier: NCT04610515). The study adhered to the Strengthening the Reporting of Observational Studies in Epidemiology (STROBE) reporting guideline.10
Study Design
INSPIRE is a prospective, longitudinal study conducted across 8 major health care institutions in the US that were selected for diversity of geographic location and participant populations (eAppendix in Supplement 1).11 The initial study cohort included 6044 US adults with COVID-19–like symptoms, regardless of SARS-CoV-2 test results, who enrolled in person or virtually between December 7, 2020, and August 29, 2022, and were followed-up through March 15, 2023. Inclusion criteria were age at least 18 years, fluency in English or Spanish, self-reported symptoms suggestive of SARS-CoV-2 (eg, fever, cough) at the time of testing, and testing with a molecular- or antigen-based assay approved by the US Food and Drug Administration within the preceding 42 days. Exclusion criteria have been well described elsewhere11 and included inability to provide consent, being lawfully imprisoned, inability of the study team to confirm the result of the index diagnostic test for SARS-CoV-2, having a previous SARS-CoV-2 infection more than 42 days before enrollment, and lacking access to an internet-connected device (eg, smartphone, tablet, computer) for electronic survey completion. Recruitment of the original INSPIRE cohort was completed broadly without geographic or health system limitations.
Original study activities included completion of electronic surveys (baseline, quarterly, and optional final survey) and sharing of electronic medical records via a patient-portal (required through March 21, 2022). Eligible participants were offered a consent addendum for a long-term follow-up survey, responses from which were used in this analysis. Eligible participants included those who were not withdrawn or deceased at the end of the original study and did not opt out of study extension communications. Long-term surveys were completed from February 27, 2024, to April 2, 2024, which was 18 to 40 months after index SARS-CoV-2 infection. Participants had 28 days to complete the survey after completing the consent addendum and received $100 for survey completion. Surveys were collected via REDCap software (Vanderbilt) and sent via email or text, based on participant preference.12,13
This analysis included INSPIRE participants who completed the consent addendum and long-term survey. To enable comparisons of participants with and without LC, we restricted our cohort to those who reported at least 1 SARS-CoV-2 infection on the long-term survey.
Study Measures
Study data were collected in the long-term survey, except for demographics (eg, age, gender, race, ethnicity), which were collected on the baseline survey at initial study enrollment. Race was self-reported and categorized as Asian, Black or African American, White, and other (eg, American Indian, Alaskan Native, Native Hawaiian, Other Pacific Islander, or other race not specified) or multiple races, and ethnicity was categorized as Hispanic or not Hispanic. Age, gender, race, and ethnicity were assessed to account for potential confounding by societal factors.
LC status was determined by the following question: “Following COVID-19 infections, some people may develop a condition called Long COVID. This is defined as having symptoms (such as fatigue, shortness of breath, brain fog, etc.) that last for more than 12 weeks or having symptoms that suddenly emerge without another explanation. This condition is called Long COVID. Do you think you have had Long COVID?” with options to respond yes or no. Participants responding yes were provided with a list of previously entered dates of SARS-CoV-2 infections (month and year) and asked to select after which infection their LC symptoms first began. They were then asked, “Since the start of your Long COVID symptoms, how have your symptoms changed over time?” with response options of “My symptoms have 1) improved, 2) gotten worse, 3) not changed, 4) waxed and waned (shifted back and forth), and 5) fully resolved.” Participants reporting no to having LC were assigned to the never had LC group, those reporting fully resolved symptoms were assigned to the resolved LC group, and the remainder were assigned to the current LC group. Among participants with either current or resolved LC, LC duration was calculated by the difference in months between LC onset (primary infection after which LC symptoms began) and survey completion date. Participants with current LC were assigned to a symptom evolution category (improved, worsened, no change, waxed and waned) based on survey responses. We intentionally used self-report of LC to be consistent with the more recent approaches, which emphasize the multitude of potential symptoms and important role of patient involvement in defining LC.14
The survey tool was developed by study investigators with specific feedback from a patient advisory board and informed by the literature. The patient advisory board reviewed the items and provided focused feedback to establish content and response process validity. Survey items included questions regarding participants’ current work status and the impact of LC on their work experience.
In addition, we quantified the degree of missed work and work impairment using the Work Productivity and Activity Impairment Questionnaire (WPAI) version 2.0, a validated 6-item tool for assessing the degree of impairment in work due to chronic illness.15,16 The WPAI responses were then used to calculate 4 outcomes: (1) percentage of total work hours per week that were missed due to health, (2) percentage of total work hours per week that an individual worked while impaired due to health, (3) percentage overall work impairment (which includes both missed work and work while impaired), and (4) percentage of total hours per week that an individual experienced non–work-related activity impairment.
We evaluated the degree of financial toxicity using Functional Assessment of Chronic Illness Therapy Comprehensive Score for Financial Toxicity (FACIT-COST), a validated tool for assessing financial impact of chronic illness among patients with cancer that was adapted for LC. FACIT-COST is an 11-item questionnaire scored on a 5-point scale, with lower scores indicating with worse financial toxicity.17
Statistical Analysis
We analyzed differences in participant demographics, financial outcomes, and work impairment across LC status groups. Categorical variables were compared using χ2 or Fisher exact tests, while continuous variables were assessed using the Kruskal-Wallis tests.
To evaluate the association of LC status with financial toxicity and work impairment, we selected statistical models based on the distribution of each outcome. For WPAI outcomes, the analysis was restricted to participants who were currently employed, as only they were required to complete the questionnaire. Because there was a large number of respondents with a score of zero on the WPAI, indicating no work impairment, we applied a 2-part model using a zero-inflated β regression18,19: (1) the zero-inflation part used logistic regression to estimate the odds of experiencing any work impairment (WPAI outcome >0) and (2) the nonzero part used β regression with logit link to assess the odds of having a higher percentage of work impairment among participants with WPAI greater than 0. Adjusted odds ratios (aORs) were reported for both parts. For the FACIT-COST score, we used linear regression models to assess differences in continuous scores, reporting adjusted least-squares (LS) mean differences as measures of effect size for resolved and current LC. In addition, we conducted a logistic regression analysis to estimate the odds of experiencing moderate to high financial toxicity (score <14),20 and aORs were reported.
Each outcome model was run in both an unadjusted version (including only LC status) and an adjusted version, adjusting for age, gender, race, and ethnicity (eFigures 1-3 in Supplement 1). Furthermore, we adjusted for SARS-CoV-2 vaccination status before the initial infection to assess its overall association and reported adjusted LS mean differences and aORs comparing participants vaccinated and not vaccinated before the initial infection for each outcome.
We used SAS version 9.4 (SAS Institute) and R version 4.3.3 (R Project for Statistical Computing) for statistical analyses and Excel version 16.98 (Microsoft) for visualization. Given the exploratory nature of this study, no multiplicity adjustments were performed. All tests were 2-sided with a significance threshold of P < .05. Data were analyzed from January 20 to February 4, 2025.
Results
Among 4119 INSPIRE participants who consented to receive the long-term survey, 4009 completed the survey, of whom 3663 (91.4%) reported at least 1 SARS-CoV-2 infection since enrollment and qualified for analysis (Figure 1). The mean (SD) age was 40.2 (14.2) years and 2429 (66.3%) were female. Overall, 510 participants (13.9%) were Hispanic or Latino ethnicity and 3082 participants (84.1%) were not Hispanic or Latino; there were 499 Asian participants (13.6%), 281 Black or African American participants (7.7%), 2438 White participants (66.6%), and 335 participants (9.1%) self-identified as another or multiple races. Full demographics by LC status are included in Table 1. In total, 2604 participants (71.1%) reported never having LC, 994 participants (27.1%) had current LC, and 65 participants (1.8%) had resolved LC. Among participants with current LC, 467 participants (47.0%) reported symptoms that waxed and waned, 258 participants (26.0%) reported improved symptoms, 187 participants (18.8%) reported no change, and 82 participants (8.2%) reported worsened symptoms. Among participants with current LC, 153 participants (15.4%) were vaccinated prior to LC onset. Nearly all of the study participants (3482 [95.1%]) received at least 1 COVID-19 vaccine, with most participants (2609 [71.2%]) reporting having received 3 to 5 doses of a COVID-19 vaccine.
Figure 1. Participant Enrollment Flowchart.
INSPIRE indicates Innovative Support for Patients with SARS-CoV-2 Infections Registry.
Table 1. Demographic Characteristics by Self-Reported LC Status.
| Characteristic | Participants, No. (%) | P valuea | |||
|---|---|---|---|---|---|
| Total (N = 3663) | LC | ||||
| Never (n = 2604) | Resolved (n = 65) | Current (n = 994) | |||
| Age, y | |||||
| Mean (SD) | 40.2 (14.2) | 39.6 (14.3) | 37.1 (13.8) | 41.9 (13.9) | <.001 |
| 18 to 34 | 1532 (41.8) | 1156 (44.4) | 33 (50.8) | 343 (34.5) | <.001 |
| 35 to 49 | 1171 (32.0) | 791 (30.4) | 19 (29.2) | 361 (36.3) | |
| 50 to 64 | 659 (18.0) | 440 (16.9) | 9 (13.8) | 210 (21.1) | |
| ≥65 | 274 (7.5) | 193 (7.4) | 3 (4.6) | 78 (7.8) | |
| Missing | 27 (0.7) | 24 (0.9) | 1 (1.5) | 2 (0.2) | |
| Gender | |||||
| Female | 2429 (66.3) | 1663 (63.9) | 43 (66.2) | 723 (72.7) | <.001 |
| Male | 1067 (29.1) | 828 (31.8) | 17 (26.2) | 222 (22.3) | |
| Transgender, nonbinary, or other | 62 (1.7) | 33 (1.3) | 3 (4.6) | 26 (2.6) | |
| Missing | 105 (2.9) | 80 (3.1) | 2 (3.1) | 23 (2.3) | |
| Ethnicity | |||||
| Hispanic | 510 (13.9) | 316 (12.1) | 14 (21.5) | 180 (18.1) | <.001 |
| Non-Hispanic/Latino | 3082 (84.1) | 2235 (85.8) | 50 (76.9) | 797 (80.2) | |
| Missing | 71 (1.9) | 53 (2.0) | 1 (1.5) | 17 (1.7) | |
| Race | |||||
| Asian | 499 (13.6) | 388 (14.9) | 12 (18.5) | 99 (10.0) | <.001 |
| Black or African American | 281 (7.7) | 173 (6.6) | 9 (13.8) | 99 (10.0) | |
| White | 2438 (66.6) | 1758 (67.5) | 35 (53.8) | 645 (64.9) | |
| Other or multiple racesb | 335 (9.1) | 214 (8.2) | 4 (6.2) | 117 (11.8) | |
| Missing | 110 (3.0) | 71 (2.7) | 5 (7.7) | 34 (3.4) | |
| Essential worker | |||||
| Yes | 1244 (41.6) | 887 (41.0) | 14 (29.8) | 343 (44.1) | .02 |
| No | 1708 (57.1) | 1257 (58.1) | 33 (70.2) | 418 (53.8) | |
| Missing | 37 (1.2) | 21 (1.0) | 0 (0.0) | 16 (2.1) | |
| Vaccination status before initial infection | |||||
| Not vaccinated | 608 (21.4) | 390 (19.6) | 8 (15.4) | 210 (26.2) | <.001 |
| Vaccinated | 2231 (78.6) | 1596 (80.4) | 44 (84.6) | 591 (73.8) | |
Abbreviation: LC, long COVID.
The Kruskal-Wallis test for continuous variable and χ2 tests for categorical variables were conducted to obtain the P values.
Other includes American Indian, Alaskan Native, Native Hawaiian, Other Pacific Islander, or other race not specified.
At the time of the long-term survey completion, 674 participants (18.4%) were not currently employed, with a higher rate among those with resolved LC (18 participants [27.7%]) or current LC (217 participants [21.8%]) vs never-having LC (439 participants [16.9%]) (Table 2). A higher proportion of participants with current LC reported having reduced work hours (256 participants [25.8%]) compared with resolved LC (10 participants [15.4%]) or no LC (352 participants [13.5%]). Participants with current LC also were more likely to experience periods of unemployment (221 participants [22.2%]) compared with resolved LC (12 participants [18.5%]) or no LC (367 participants [14.1%]). Most participants with current LC attributed the work loss as a direct result of their symptoms (243 participants [59.0%]). Work status requests had been made by 237 participants (23.8%) with current LC, and included reduced work hours, extended periods of time off, transition to remote or hybrid work, or requiring disability services.
Table 2. Financial and Work Outcomes by Self-Reported LC Status.
| Outcome | Participants, No. (%) | P valuea | |||
|---|---|---|---|---|---|
| Total (N = 3663) | LC | ||||
| Never (n = 2604) | Resolved (n = 65) | Current (n = 994) | |||
| Currently employed | |||||
| Yes | 2989 (81.6) | 2165 (83.1) | 47 (72.3) | 777 (78.2) | <.001 |
| No | 674 (18.4) | 439 (16.9) | 18 (27.7) | 217 (21.8) | |
| Work status (if employed) | |||||
| Full-time (≥30 h/wk) | 2441 (81.7) | 1780 (82.2) | 36 (76.6) | 625 (80.4) | .10 |
| Part-time (<30 h/wk) | 405 (13.5) | 294 (13.6) | 6 (12.8) | 105 (13.5) | |
| Self-employed | 143 (4.8) | 91 (4.2) | 5 (10.6) | 47 (6.0) | |
| Any loss of work since the start of the COVID-19 pandemic | |||||
| Reduced work hours | 618 (16.9) | 352 (13.5) | 10 (15.4) | 256 (25.8) | <.001 |
| Unemployment | 600 (16.4) | 367 (14.1) | 12 (18.5) | 221 (22.2) | <.001 |
| None of the above | 2596 (70.9) | 1970 (75.7) | 44 (67.7) | 582 (58.6) | <.001 |
| Work loss as a direct result of a SARS-CoV-2 infection or ongoing symptoms | |||||
| Yes | 443 (41.7) | 192 (30.5) | 8 (38.1) | 243 (59.0) | <.001 |
| No | 620 (58.3) | 438 (69.5) | 13 (61.9) | 169 (41.0) | |
| Requested a change or adjustment in work status as a result of a SARS-CoV-2 infection or ongoing symptoms | |||||
| Yes | 485 (13.2) | 237 (9.1) | 11 (16.9) | 237 (23.8) | <.001 |
| No | 3178 (86.8) | 2367 (90.9) | 54 (83.1) | 757 (76.2) | |
| Work status request (if requested) | |||||
| Reduced work hours | 174 (4.8) | 69 (2.6) | 7 (10.8) | 98 (9.9) | <.001 |
| Extended period of time-off | 213 (5.8) | 94 (3.6) | 5 (7.7) | 114 (11.5) | <.001 |
| Remote work or hybrid | 261 (7.1) | 139 (5.3) | 5 (7.7) | 117 (11.8) | <.001 |
| Disability benefits | 34 (0.9) | 4 (0.2) | 1 (1.5) | 29 (2.9) | <.001 |
| Other | 22 (0.6) | 12 (0.5) | 0 | 10 (1.0) | .14 |
| Financial toxicity | |||||
| FACIT-COST score, Mean (SD) | 28.8 (10.2) | 31.1 (8.8) | 28.2 (9.7) | 22.7 (10.9) | <.001 |
| Any | |||||
| Absent (FACIT-COST score ≥26) | 2440 (66.6) | 1981 (76.1) | 38 (58.5) | 421 (42.4) | <.001 |
| Present (FACIT-COST score <26) | 1223 (33.4) | 623 (23.9) | 27 (41.5) | 573 (57.6) | |
| Severity | |||||
| None/mild (FACIT-COST score ≥14) | 3320 (90.6) | 2483 (95.4) | 60 (92.3) | 777 (78.2) | <.001 |
| Moderate/high (FACIT-COST score <14) | 343 (9.4) | 121 (4.6) | 5 (7.7) | 217 (21.8) | |
| WPAI | |||||
| Work time missed due to health | |||||
| Overall, mean (SD), % | 3.2 (13.6) | 2.1 (10.7) | 2.7 (9.3) | 6.2 (19.4) | <.001 |
| Any [≥1%] | 243 (8.8) | 123 (6.2) | 5 (11.6) | 115 (16.0) | <.001 |
| Subgroup with ≥1%, mean (SD), % | 35.9 (30.4) | 33.7 (28.4) | 23.2 (17.5) | 38.9 (32.7) | .27 |
| Impairment while working due to health | |||||
| Overall, mean (SD), % | 5.3 (15.0) | 1.9 (9.0) | 3.0 (8.0) | 15.0 (22.8) | <.001 |
| Any [≥1%] | 424 (15.6) | 124 (6.3) | 7 (16.3) | 293 (41.8) | <.001 |
| Subgroup with ≥1%, mean (SD), % | 33.8 (22.0) | 29.8 (21.3) | 18.6 (10.7) | 35.9 (22.2) | .006 |
| Overall work impairment due to health | |||||
| Overall, mean (SD), % | 7.0 (17.6) | 3.2 (11.8) | 5.6 (12.2) | 17.7 (25.3) | <.001 |
| Any [≥1%] | 541 (19.9) | 210 (10.6) | 10 (23.3) | 321 (45.8) | <.001 |
| Subgroup with ≥1%, mean (SD), % | 35.1 (23.8) | 30.1 (22.4) | 24.1 (14.0) | 38.6 (24.3) | <.001 |
| Activity impairment due to health | |||||
| Overall, mean (SD), % | 6.0 (16.7) | 2.4 (10.4) | 1.7 (4.8) | 16.4 (24.9) | <.001 |
| Any [≥1%] | 500 (16.8) | 170 (7.9) | 6 (12.8) | 324 (41.7) | <.001 |
| Subgroup with ≥1%, mean (SD), % | 36.0 (24.1) | 30.3 (22.9) | 13.3 (5.2) | 39.4 (24.2) | <.001 |
Abbreviations: LC, long COVID; WPAI, work productivity and activity impairment questionnaire.
The Kruskal-Wallis test for continuous variable and χ2 tests for categorical variables were conducted to obtain the P values.
We assessed the productivity of participants who were currently employed using the WPAI tool. The current LC cohort experienced a greater overall percentage of work impairment due to health conditions (reflecting a mean [SD] of 17.7% [25.3%] of total hours worked per week) compared with the resolved LC cohort (mean [SD], 5.6% [12.2%] of total hours per week) and no LC cohort (mean [SD], 3.2% [11.8%] of total hours per week). Compared with individuals without LC, the current LC cohort had significantly higher odds of experiencing any overall work impairment due to their health (aOR, 7.24; 95% CI, 5.68-9.21). Among individuals who reported any impairment, the current LC cohort also had higher odds of impairment compared with those without LC (aOR, 1.44; 95% CI, 1.17-1.76) (Figure 2).
Figure 2. Differences in Work Productivity Among Individuals With Current, Resolved, and Never Long COVID (LC).

OR indicates odds ratio, WPAI, Work Productivity and Activity Impairment Questionnaire.
When analyzed for missed work only, the current LC cohort missed a mean (SD) 6.2% (19.4%) of total scheduled hours compared with 2.7% (9.3%) in the resolved LC and 2.1% (10.7%) in the no LC cohort. Compared with individuals without LC, those with current LC had significantly higher odds of missing any work due to health (aOR, 2.62; 95% CI, 1.93-3.57). Among those who missed any work, there was no statistically significant difference in work missed (aOR, 1.10; 95% CI, 0.78-1.56). When analyzed by impairment at work, participants in the current LC cohort reported higher proportions of impairment at work due to health (reflecting a mean [SD] of 15.0% [22.8%] of total worked hours) compared with those with resolved LC (mean [SD], 3.0% [8.0%] of total worked hours) or no LC (mean [SD], 1.9% [9.0%] of total worked hours). Compared with individuals without LC, those with current LC had significantly higher odds of experiencing any work impairment due to health (aOR, 11.82; 95% CI, 8.90-15.70). Among those who experienced any impairment, the current LC cohort also had higher odds of impairment compared with those without LC (aOR, 1.31; 95% CI, 1.02-1.68).
For nonwork activities, the current LC cohort experienced a higher percentage of impairment (mean [SD], 16.4% [24.9%] of total hours) compared with resolved LC (mean [SD], 1.7% [4.8%] of total hours) or no LC (mean [SD], 2.4% [10.4%] of total hours). Compared with individuals without LC, those with current LC had significantly higher odds of experiencing any activity impairment (aOR, 8.36; 95% CI, 6.53-10.70). Among those who experienced any impairment, the current LC cohort also had higher odds of impairment compared with those without LC (aOR, 1.28; 95% CI, 1.02-1.61).
Participants with current LC had numerically lower (ie, worse) mean FACIT-COST scores compared with never having LC (LS mean difference, −8.01; 95% CI, −8.76 to −7.25) or resolved LC (LS mean difference, −5.95; 95% CI, −8.51 to −3.39) (Figure 3A). When analyzed by severity of financial toxicity, the current LC group had higher odds of having moderate to high financial toxicity vs with the no LC cohort (aOR, 5.20; 95% CI, 3.92 to 6.89) and the resolved LC cohort (aOR, 3.16; 95% CI, 1.19 to 8.41) (Figure 3B).
Figure 3. Difference in Financial Toxicity Among Individuals With Current, Resolved, and Never Long COVID (LC).
LS indicates least-squares; OR, odds ratio.
When analyzed by vaccination status, those who were vaccinated had lower odds of overall work impairment (aOR, 0.71; 95% CI, 0.55-0.92), impairment while working (aOR, 0.66; 95% CI, 0.50-0.87), and impairment of nonwork activities (aOR, 0.74; 95% CI, 0.57-0.96) (eTable 1 in Supplement 1). Among those vaccinated, there was a lower FACIT-COST score (adjusted LS mean difference, 1.07; 95% CI, 0.19-1.95) but no significant difference in severity of financial toxicity (aOR, 0.77; 95% CI, 0.57-1.04). Findings by age, race, ethnicity, and gender are provided in the eResults in Supplement 1.
Discussion
The findings of this cohort study highlight the substantial association of LC with employment and financial well-being extending up to 3 years after initial SARS-CoV-2 infection. Among 3663 participants, approximately one-quarter reported ongoing symptoms of LC, with higher odds of experiencing worse rates of returning to full-time work and worse overall productivity, general activity impairment, and financial outcomes compared with those who never had LC or with resolved LC. These results underscore the persistent and debilitating nature of LC.
Participants with current LC reported important employment challenges compared with those who never had LC. The current LC cohort had higher rates of participants who were not employed or had reduced work hours, combining to demonstrate that nearly half of all participants with current LC had not returned to full-time work by up to 3 years later. This is consistent with prior research demonstrating lower employment among individuals with LC and adds valuable data about the US population and the sustained effects after initial infection.5,6
Using the WPAI tool, individuals with current LC who were working demonstrated significantly higher overall impairment in their ability to work compared with those with resolved LC or who never had LC. The current LC group experienced overall work impairment affecting nearly one-quarter (22.1%) of their total hours, meaning impairment of more than 1 day per workweek on average due to LC. Furthermore, participants with current LC missed more work hours and reported greater levels of impairment while working, with greater than 15 times higher odds of experiencing work impairment relative to the no LC cohort. These findings build on prior work to demonstrate the negative association with work productivity, beyond just unemployment. Moreover, these results combined with the large proportion requiring reduced work hours reinforce the need for flexible work arrangements, including remote work options, modified schedules, and supportive workplace policies, to ensure that experienced and engaged workers remain in the workforce.
Beyond the workplace, individuals with current LC also experienced significant disruptions in daily activities, reporting 20.5% impairment in their nonwork activities. This was nearly 10-fold higher than the impairment seen in those without LC. These findings are consistent with other research suggesting that the impact of LC extends beyond employment, affecting social engagement and overall quality of life.4
The economic burden of LC was evident in the financial toxicity scores. The current LC group had 3.16 times higher odds of moderate to high financial toxicity compared with the resolved LC cohort and 5.20 times higher odds compared with those never experiencing LC. This financial strain could be due to medical expenses, loss of employment, hour reductions due to reduced work capacity, or lower work productivity resulting in reduced bonuses or raises. The data provided here contribute to the information required by policymakers to quantify the extent of how LC financially burdens individuals at the population level.21 Addressing the financial burden of LC may therefore require policy interventions, such as expanded disability benefits or workplace accommodations to help combat the work and financial impact of this condition.
Importantly, we were able to demonstrate lower rates of work impairment and better financial toxicity scores in the vaccinated cohort compared with the unvaccinated cohort. This is consistent with our existing data demonstrating benefits in symptom reduction and quality of life among adults who were vaccinated for SARS-CoV-2.4,22 This provides further key support for the beneficial role of vaccination on patient-relevant outcomes, extending the benefit to financial and work outcomes.
Limitations
This study has some limitations. Participant LC status was based on self-report rather than objective testing or specific symptom criteria. Consequently, this may include alternate conditions not reflective of LC. However, our approach is consistent with the most recent recommendations for defining LC, which emphasizes the myriad symptoms and importance of patient involvement with defining LC.14 Eligibility criteria required that participants have access to an internet-capable device, which may reflect a population with more technological access or resources. Our sample population was also more commonly non-Hispanic/Latino, White, female, and younger, which may reflect a more limited representation in the sample population compared with the US population. While we separated out the resolved LC cohort to better understand the delayed financial impact of prior LC vs never having LC, the resolved LC cohort sample was small, which led to reduced precision in the estimates, potentially requiring a larger difference to achieve statistical significance.
Conclusions
The results of this cohort study provide critical insights into the broader associations of LC with employment, work abilities, and financial stability and the mitigating associations of prior vaccination against SARS-CoV-2. The substantial employment and economic burdens reported here underscore the need for targeted policy interventions and greater workplace support structures to ensure that the sizable US workforce that may have LC is able to contribute to economic activity and to avoid personal economic hardship. Future research should investigate potential strategies to mitigate the impact of LC, including long-term workplace policies, disability support frameworks, and tailored health care approaches for individuals affected by persistent symptoms of LC.
eAppendix. INSPIRE Group
eFigure 1. Unadjusted differences in work productivity among current, resolved, and never-having Long COVID
eFigure 2. Unadjusted difference in financial toxicity among current, resolved, and never-having Long COVID
eFigure 3. Unadjusted difference in severity of financial toxicity among current, resolved, and never-having Long COVID
eTable 1. Adjusted difference in outcomes between participants vaccinated and not vaccinated before the initial infection
eResults. Outcomes by age, race, ethnicity, and gender
INSPIRE Group Members
Data Sharing Statement
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Associated Data
This section collects any data citations, data availability statements, or supplementary materials included in this article.
Supplementary Materials
eAppendix. INSPIRE Group
eFigure 1. Unadjusted differences in work productivity among current, resolved, and never-having Long COVID
eFigure 2. Unadjusted difference in financial toxicity among current, resolved, and never-having Long COVID
eFigure 3. Unadjusted difference in severity of financial toxicity among current, resolved, and never-having Long COVID
eTable 1. Adjusted difference in outcomes between participants vaccinated and not vaccinated before the initial infection
eResults. Outcomes by age, race, ethnicity, and gender
INSPIRE Group Members
Data Sharing Statement


