Family experiences of Long Covid
Financial impact of Long Covid/household economics/resources
This section explores how people’s ongoing Long Covid symptoms have affected their family’s financial situation.
This topic is split into the following areas:
- Impact on work
- Changes to family circumstances
- Attending appointments and paying for private treatment
Long Covid has significantly impacted people’s ability to work. For parents with Long Covid, this was because of how their symptoms affected them. For parents of children with Long Covid, this was because of changes in their caring responsibilities. For some people we spoke to it was a mixture of both. Many families are in difficult financial situations due to a decline in their income. A lower family income, combined with the cost-of-living crisis occurring in the UK (at the time of writing October 2022), meant some families are struggling financially.
Housing and changes to work hours
Households had often lost income if a parent had stopped working, either due to their own symptoms or to care for a child with Long Covid. These changes to income often left people questioning how they will pay rent or mortgages.
Razia is no longer able to work. Her family now rely on the fifteen hours a week her husband works, which she describes as “not enough to keep a roof over our head”. Coupled with their landlord ending their tenancy unexpectedly, this has placed their family in a difficult financial and housing situation.
Razia’s family now relies on her husband’s income which is “not enough to keep a roof over our head”.
Razia’s family now relies on her husband’s income which is “not enough to keep a roof over our head”.
And I said to him, I said, “I’m supposed to be going back to work in September.” Then, you know, again, the anxiety is building up where how are we going to manage with that because if we don’t have the nursery places, if we don’t, we can’t have him at home day and night, you know, while I’m at work and then I’m too exhausted to do anything else or I’m in too much pain. So, he then has to do the night shift at home as well, it’s like, working fifteen hours a week, I’m going to be, that’s not enough to keep a roof over our head and we’ve already been told by our landlord that we’ve got to look elsewhere. And it was hard enough before the pandemic to find a place that would allow you to rent with children.
And that’s affordable, to be honest, because [city] is not the cheapest but he’s already said, “You guys need to look for somewhere.” And it’s, it hasn’t been easy. It hasn’t been easy to try and find somewhere and I thought, I can’t give up, because even though it’s fifteen hours a week, I can’t give that up because that’s that extra bit of income coming home but we can’t have him off work all the time because he he’ll only earn if he’s working.
Catherine had to reduce her hours at work to help care for her son who has Long Covid. Her reduced hours and the money spent on travel and experimental treatments abroad has made her consider re-mortgaging her house to cover these expenses.
Catherine is considering re-mortgaging her house to cover her family’s expenses, which has included travelling abroad for treatment.
Catherine is considering re-mortgaging her house to cover her family’s expenses, which has included travelling abroad for treatment.
So we, we’re actually about to go to Germany for some treatment which is not available in the UK called apheresis so I’m hoping that he will improve with that to the point where actually I can go back to my normal work pattern and hopefully he will be able to do a bit more and even go to sixth form college, which would be really nice, but we, we don’t know what the outcome of that will be. I think we’ll just need to wait and see.
Yes, has that like privately funded as well?
Yes, so I’ll have to pay for that and it’s not cheap. So, you know, flights, accommodation and then each apheresis treatment is £1,100. I don’t know how many he’ll need. So, you know, my options are to, I’ve had to save money for him for university, so I’m using that right now. I may need to re-mortgage the house in order to pay for it. So, I’ll just see.
Richard and Michael feel fortunate because they know that other people with Long Covid are struggling financially. Richard can no longer work as a GP because of his Long Covid symptoms but his family is able to live on his wife’s salary. Michael has had to return home from university and feels privileged that he is able to live at home and his parents are able to financially support him.
Michael thinks he has been lucky that he can financially rely on his parents and move back home.
Michael thinks he has been lucky that he can financially rely on his parents and move back home.
Well, life now is very I wasn’t stressed before, but it’s very low stress now. I’m lucky enough that I’m, I can financially depend upon my parents. And I haven't been under financial pressures. I know a lot of people with Long Covid have. I’m really grateful and lucky for that. I don’t really have stress in terms of I don’t have any responsibility really. My only responsibility is to myself. So, I recognise the privilege of that. I know a lot of people who have children to look after and kind of marriages that are falling apart as a result of Long Covid. So, in some ways, the fact that it’s happened at this stage of life could be, you know, could be considered a bit lucky. Because I’m not tied down to anything. But the loss of my course and the vision of what life kind of should be like for me; that, that’s the most difficult thing.
Changes to family circumstances
Changes to family circumstances due to Long Covid have put a strain on pre-existing family arrangements. Hazeem now works reduced hours because of Long Covid. This had a huge impact on his finances as he provides the sole income for his family. This has put them in a difficult financial situation as he is on a zero-hour contract and can’t work enough hours to support his family. Zero-hour contracts mean an employer does not have to guarantee an employee a minimum number of hours of employment. Hours of employment depend on demand.
Maryam’s family is now solely reliant on her husband’s income as she and two of her children have Long Covid and she can no longer work. She describes their situation as ‘hand to mouth’. The financial situation has caused her stress and anxiety which she does not want to pass onto her children.
Maryam does not want to pass on her stress and anxiety about finances to her children.
Maryam does not want to pass on her stress and anxiety about finances to her children.
I’m just thinking if you’re now working as much as you would like to, how’re you getting on financially?
Yeah, sometimes, because my husband, he’s working eight hours, but he’s a contract one. So, obviously we are surviving on him now.
Has that been difficult?
Very difficult.
What sorts of things, because I know food prices are going up. Petrol prices are going up.
There are food prices going up. Electric, gas, going up. Everything going up. You know, the children, they need everything. So, shopping wise, everything is up. We are struggling. Sometimes hands to mouth.
How’re feeling about that?
It’s like, you know, it’s not easy. Sometimes you get the stress, anxiety and it’s like how we going to manage everything. You don’t want to give any tension to the children.
Right. You try not to let them know that, yeah.
Yeah, yeah, yeah.
So, that’s just you and your husband trying to deal with it.
Yeah, yeah. We just working out as a, as a team.
Changes in family circumstances, such as the death of a spouse, also had financial impacts. For Sharifa and Rebekah, the deaths of their spouses due to Covid means the management of finances falls solely on their shoulders.
Sharifa’s husband used to manage the family’s finances but following his death it is now her responsibility.
Sharifa’s husband used to manage the family’s finances but following his death it is now her responsibility.
Obviously to be honest with you on... I don't know what to say, honestly, it’s hard because before, my husband used to handle all the bills, I wouldn't ask for [inaudible] I want my pocket money right [inaudible] my pocket money, but that’s the life you worry about, bills, this and that, tax, whatever, you know it... he used to do everything and then suddenly had this responsibility all the time and then honestly, I think anyone would find it hard, not just me you have to recover and do this, get on with… oh my God… and we should think about this thing, now we have to think... I can remember we used to shop from there, and now we shop from here, here yeah, now a problem, I'm going to have to save some money from here now, I'm going to have use this less now, all right, I'm turning all the lights off now, I don't want no lights on, yeah.
Sick pay and financial assistance
Some of the people we talked to needed financial assistance. Personal Independence Payment (PIP) is a monthly payment that helps towards extra living costs due to physical or mental conditions and disabilities.
Michelle, and others, encountered hurdles applying for PIP support which she needed because she could no longer work. Michelle found that her symptoms made it difficult to remember key details required to apply for the payment.
Michelle’s Long Covid symptoms made it difficult to complete the PIP forms and interview.
Michelle’s Long Covid symptoms made it difficult to complete the PIP forms and interview.
I first of all thought ‘I probably need to apply for some sort of benefit to support us’, and I knew that physically I... I wasn’t in great shape, so I thought the first one... because I’d helped... supported my mum, apply for Personal Independence Payment, a PIP payment, I thought that I would apply for a PIP payment, and so I thought ‘I’ll do that one first’, because I’d had experience of it with my mum, and when I’d done it with her, I’d obviously had... I was in the right frame of mind and I was pretty well and healthy, I’d got all of the supporting evidence and documents and it had been pretty straightforward, I’d felt [laughs]. So, I thought I’d apply for it for myself, and I thought that it would be easy: oh, how wrong was I.
I tried to phone up first of all. Now, trying to do that when you have got a sick two-and-a-half-year-old, I think he was two and a half at the time, around, and I was on hold to try and phone up first of all to get the form was a challenge in itself, so I was put on hold and at first I thought I’d be on hold for 10 minutes, so I’d hold for 10 minutes and when, like, Vinnie would be trying to demand something from me and he would be sick, I’d be sick, I’d wait for 10 minutes and then I’d pink... think, ‘oh they’re busy, they’re not going to answer the phone’, so I’d put the phone down when they didn’t answer it after 10 minutes. So I think that went on for quite a while and it put me off to start off with, so I didn’t apply initially for a while, and then I realised that I couldn't apply online for this payment so I... so I tried to do it online, and I tried to do it at night when he’d go to sleep, but it wasn’t going to be that straightforward; I had to phone up to get this form that I had to fill out.
Back to the PIP application: on hold for an hour, eventually got through and they sent me a 44-page document, yeah. That sat in the cupboard for about, I don’t know, eight weeks, because every time I opened it, I then couldn't actually answer the questions when it had been really easy to fill out my mum’s form, I just kept looking at it and thinking ‘how the hell am I ever meant to answer that?’ So I think I had a deadline to answer it and I... as the days ticked by, I think the deadline probably was coming up and they text me, and I’d put it to one side and I just couldn't deal with it, then they kept texting and saying, “Your deadline’s approaching and you haven't filled... return this form,” so eventually I, kind of like, filled it out to the best of my ability at that point and then returned it, 44 pages. And then they wrote back and said, “We’re going to arrange an interview with somebody who will phone you.” So, they arranged an interview, and I think this is about... it... it had taken me about... the... we got back in March, I think I had the interview around about December, so it had taken me that long to deal with it.
Michelle applied for PIP for her son’s learning disabilities rather than his Long Covid as she didn’t think his Long Covid would be recognised.
Michelle applied for PIP for her son’s learning disabilities rather than his Long Covid as she didn’t think his Long Covid would be recognised.
He had also got his own challenges, so, you know, there was a possibility that maybe, just maybe, he was entitled to some sort of support, and I just thought ‘well, I’m not going to fall down the same traps that I had fell down’, so I thought ‘I’m going apply for him’, so I decided to apply for the child’s version of what I was getting, Disability Living Allowance, and did my background homework and didn’t focus too heavily on the Long Covid stuff because obviously when the world outside is saying Long Covid in children doesn't exist, it’s very, very difficult to try to convince other people that it really does exist, you know, it was hard enough to convince the adults of the world that it exists in adults, so to try and convince the adults that it didn’t exist in children is even harder.
But because Vinnie has got those developmental delays as well going on, which we don’t even know yet if they’ve been caused by Covid or not, you know, and they’re... you know, there is a strong, strong possibility that Covid has played a large part in the developmental delay that Vinnie’s got, you know, he’s got those so I listed those as part of his challenges, but we applied for that and that was awarded.
A charity helped Poppy complete her disability benefit application. She believes she wouldn’t have been successful without their help.
A charity helped Poppy complete her disability benefit application. She believes she wouldn’t have been successful without their help.
The disability one is a nightmare. But I had help from a volunteer from a charity who was with me on the phone call were they said you can do it on the phone now and not in real life because of Covid. And when they turned me down ‘cos they’d made so many mistakes, she wrote a very strongly worded letter to them saying exactly what they’d, they’d made the mistakes. Like one of the lines said, ‘I think she could walk 200 metres.’ I don’t know where she got that from, but there’s no way I could walk 200 metres. So, they gave it to me after, after she sent the letters in [laughs].
How did you come across the woman from the charity who was able to help out?
I think I was, I was watching a lecture on Long Covid from—it was an ME charity, but they were talking about Long Covid. I think I was watching a lecture and then got involved with them that way. Found out they’d got a department at this charity that helps people apply.
Yeah, that’s lucky
That was really lucky, yeah. Probably wouldn't’ve got it without that, definitely.
Xanthe also found it difficult applying for PIP. Xanthe received sick pay from work because her Long Covid symptoms meant she could not leave home. She was unsure how long she would be entitled to sick pay, so she also applied for PIP to help ease the pressure on her parents who are caring for her. However, her original PIP application was rejected. She has had to challenge the decision through a tribunal.
For Zubair, it’s important that Long Covid is recognised as a disability in order for people to be able to access support.
For Zubair, it’s important that Long Covid is recognised as a disability in order for people to be able to access support.
But again, as I go back to it, there isn’t any... ‘nough research out there, you know it’s only we... what... we’re in the third year, right, of Covid, so you know I think... I can’t remember in America or somewhere, the Long Covid is now recognised as a disability, but in NHS they don’t recognise that and I think that, again, it’s down to the research, that maybe it’s going to take many years before it is recognised as a disability, and again, because it affects different people differently with different you know parts of the body, you know how do you differentiate you know the condition either as a normal condition like a normal, let’s say, just a muscular pain rather than Long Covid? So maybe it’s hard for... for them to do that yet, but I think going forward, the NHS will have to recognise that, because if they don’t recognise it, then I kint... I think it can affect people differently. You know, for example, if you take sick leave, what are you going to write? You know or... or if you're trying to claim disability benefits... you know because if you just say muscle pain they might not take seriously, if you say Long Covid they might do, I... you know... you know it’s just my opinion on that.
But I think people out there, you know whether it’s an employer, you know a medical professional, or anybody, they need to take this seriously that the Long Covid does exist and you know you’re just not making it up. You know why would you make it up? You could just say, ‘oh, I just have muscle pain.’ OK, you know but then if you have one thing and then the thing is when you have Covid, just after a Covid... like, you know you contract the Covid, these things started so it’s just not coincidence everything happens right after, or it’s because of your age you know, and that’s what I believe, it’s happened and then it’s just happened after, you know it hasn’t happened after a year or two years. You know so definitely Long Covid, but for me it’s Long Covid you know?
Others sought financial assistance from workplaces to help towards childcare costs when they are working. Sara and her husband spent a lot of money on childcare throughout the pandemic when schools were closed. Despite her Long Covid symptoms making it hard to work, the conditions of her visa say she is not allowed to reduce her work hours. Her employers said they could not offer assistance with childcare payments.
Attending appointments and paying for private treatment
Due to the variety of health complications caused by Long Covid many people sought medical support. Parents of children with Long Covid had to adapt their work schedules to make time to go with their children to appointments.
For parents who work freelance this meant working in evenings or missing out on job opportunities. This had a knock-on effect on their finances. Those who had been referred to Long Covid clinics often had lengthy and costly round trips, adding further drain to the family budgets.
Danie was unable to work as much as usual because she had to take her daughter to hospital appointments.
Danie was unable to work as much as usual because she had to take her daughter to hospital appointments.
And then also, I suppose the amount of time that we spend on it, because I was having to take her to the hospital once a week. Thankfully, I work freelance, so I was able to do that but that still had a knock-on effect because I either then had to work in the evenings or I just miss out on jobs, which means it has a financial impact. So yeah, it's been adapting to it, but just kind of I think post-2020, everything's just been like, ah we don't know what's gonna happen or we’d kind of go with the flow so at least we were kind of in that frame of mind anyway. If it had happened pre-2020, I think it would have been even more of a shock to adapt to.
In order to afford private appointments and treatments, some used savings, tried to supplement their wages, or re-mortgaged their homes.
Catherine, Charlotte, and Emma B all sought private treatment for Long Covid. Catherine has travelled to Germany for her son to try experimental treatment. Due to the cost of the trips and having to reduce her work hours, Catherine has considered re-mortgaging her home.
Emma B used money put aside for family days out and holidays to pay for private healthcare. Charlotte’s husband drew on the family holiday fund to pay for private care. He is desperate for her to recover and hopes investing in private tests, therapies and treatments will help find a way to reduce her symptoms.
Charlotte’s husband used money they would usually spend on family holidays to pay for private appointments and medication.
Charlotte’s husband used money they would usually spend on family holidays to pay for private appointments and medication.
He’s very much got that I will get better and he’s paid for, he’s wanted to pay for everything he could possibly pay for. So, I’ve seen private doctors and private physio and a private occupational therapist to try and help me around the house and find ways and his attitude is, you can’t stay like this. You’ve got to get better. And I don’t think he accepts that this might be a long, long time.
It’s been a big stress. I’m really fortunate we’d got savings and so we’ve used a lot of savings and I only went to half pay from August. So, I was on full pay, but just the stress of the upcoming, you know, knowing I’m gonna lose my wage has been a worry. And we’ve, we’ve paid a lot out in private healthcare. We’ve paid for private physios as well which were £80 an hour and I had, I were having ‘em several times a week. I paid for some antibiotics which were £400 just an example of the cost. Tests were like two, two and half thousand pounds. We spent a fortune on tests. And financially now I’m onto statutory sick pay and half pay for my work and then after Christmas and my pay will stop. I’m applying for like the government disability like don’t know what it is, benefit.
Emma B uses the money she would usually spend on family activities to pay for therapies which she hoped would improve her daughter’s Long Covid symptoms.
Emma B uses the money she would usually spend on family activities to pay for therapies which she hoped would improve her daughter’s Long Covid symptoms.
Yeah so, it’s just full of change really, we’ve gone from, it’s changed in a lot of ways so financially like obviously before we was going out a lot more, we’d go out for tea as a family and enjoy company that way now we use spare money to pay for like reflexology or some complimentary therapy for Freya, a lot more financial visits to hospital even our local hospitals like over 20 miles away. The Long Covid clinic we went to was like over 40 miles away so just you, you know, financially it’s different.
Although many people we spoke to had considered private appointments, treatments, and medications, few could afford to spend much money on them. As yet (October 2022) no treatment for Long Covid has been found.
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