Robert Benjamin Savary Discusses the Longevity of COVID and Disability Insurance | OCNJ every day

Robert Benjamin Savary of New Jersey is a registered investment agent who assists clients in purchasing life, long-term care, and disability insurance. In the following article, Robert Savary explains disability insurance as it relates to Long COVID, and the benefits of having disability insurance for those suffering from the disease.

Even after contracting COVID-19 and recovering early, the battle is not over for many victims. In fact, a relapse, or health problems can lead to the question: what types of disability insurance are offered to those facing Long COVID?

According to US Department of Health and Human Services.

Duration of COVID Explained

Robert Benjamin Savary of New Jersey explains that Long COVID is defined by a Centers for Disease Control and Prevention such as the long-term effects that people infected with COVID-19 may experience even after recovery.

People with this condition, also known as “long-haulers,” can experience a variety of symptoms that affect daily life. These symptoms include:

  • Brain fog, or inability to concentrate
  • Fatigue and exhaustion
  • Shortness of breath
  • He often has trouble breathing
  • Dizziness while standing
  • Headaches or migraines
  • Pain in the chest
  • Pain in joints
  • Loss of taste or smell
  • Heart Palpitations
  • Organ Damage
  • cough

Although this list details some of the physical problems that those suffering from Long COVID may experience, it does not account for the emotional and psychological damage that can lead to long-term health problems. This includes anxiety and depression according to Robert Benjamin Savary of New Jersey.

Because the disease can plague those with COVID-19 continuously, it interferes with daily activities. With this in mind, Long COVID may qualify for some disability insurances.

Long-term COVID is seen as a disability

Long COVID can be treated as a disability according to the Americans with Disabilities Act, Section 504 and Section 1557, because it prohibits major life events according to Robert Benjamin Savary.

The Act specifically defines a person with a disability as someone who has a physical or mental impairment in their major life circumstances, or someone who has a history of health problems.

Robert Savary of New Jersey explains that some people with Long COVID have problems with the heart, lungs, kidneys, and nerves and are also mentally and emotionally ill, they may not be able to do much in their lives.

Major activities in life can affect much of what a person does during the day. Some of these things are things that we don’t even think about, but constantly do: sitting, standing, thinking, writing, breathing, and talking to others.

For example, if someone is experiencing shortness of breath due to Long COVID, they may not be able to breathe properly or talk to others easily. Therefore, he is considered a person with a disability under the ADA, says Robert Benjamin Savary of New Jersey.

Robert Benjamin Savary New JerseyLong-term COVID and Disability Insurance

Robert Benjamin Savary explains that the ADA works to protect people with disabilities, preventing them from being taken or kept from the activities of ordinary and commercial life.

Therefore, some laws at the state level can be changed so that those with Long COVID can enjoy some social activities because of their health problems.

For example, if someone has Long COVID, they may be allowed to take longer on tests than students who do not have Long COVID and therefore do not suffer from symptoms of brain fog, said Robert Benjamin Savary of New Jersey.

Another example is local businesses, such as grocery stores or supermarkets, allowing a service animal to enter the premises so that a person with Long COVID can be helped to stand up even if they are dizzy.

Long-term COVID-19 bite outside the United States

Although the United States provides insurance coverage for those who are disabled due to Long COVID symptoms, other countries are not always supported as Robert Benjamin Savary of New Jersey says.

The Guardian newspaper reported that some healthcare workers in the UK are not being given PIP (Paid plan for those who have to pay additional things due to disability) even though they are suffering from symptoms of Long COVID.

The Guardian also said that the process of qualifying for these benefits is flawed and the results of the eligibility test are considered unfair by many in the United Kingdom.


COVID-19 has affected the world and continues to affect those with Long COVID due to health problems. These impairments can be considered disabilities if they affect major life events. The increasing number of symptoms experienced by those with Long COVID means that, in the United States, their disease affects their quality of life and is considered a disability, says Robert Benjamin Savary of New Jersey.

Insurance policies established by the ADA provide coverage for those with long-term COVID-19 disabilities, but in some countries, coverage is still needed to help those who are at risk of contracting the virus around the world.