COVID-19 Leading Cause of Disability in the U.S.
Author: Unum Group
Published: 2021/07/05 - Updated: 2024/12/01
Publication Details: Peer-Reviewed, Data & Statistical Analysis
Topic: Disability Statistics - Publications List
Page Content: Synopsis - Introduction - Main
Synopsis: This article provides an overview of the impact of COVID-19 on disability claims and leave requests in the U.S. during 2020, based on Unum's internal data. It highlights COVID-19 as the third-leading cause of short-term disability and the top cause for manufacturing workers, while also noting a record year for disability and leave requests with over a million claims handled by Unum. The article underscores the escalating mental health crisis, with behavioral health claims reaching an all-time high and representing 6% of total claims. It also details the top causes of short-term disability, including injury, pregnancy, COVID-19, joint disorders, and behavioral health. Additionally, the article stresses the importance of addressing mental health in the workplace and the need for employers to invest in employees' mental well-being, making it a valuable resource for understanding the pandemic's effects on worker health and the broader implications for disability insurance and leave management - Disabled World (DW).
Introduction
COVID-19 was the third-leading cause of short-term disability for U.S. workers in 2020, according to internal data from Unum. For manufacturing workers, COVID was the top cause of disability.
Focus
Record-Year for Disability and Leave Requests
Unum handled over a million short-term disability claims and leave requests in 2020. Experts at the company attribute the spike in volumes to the pandemic, as well as the growing need for financial protection and leave management assistance.
"The pandemic made disability a reality for many," said Chris Pyne, executive vice president of Group Benefits at Unum. "It reminds us of the importance of preparing for life's unexpected health events."
Mental Health at All-Time Low
More people filed behavioral health claims with Unum than ever before. Behavioral health - which includes mental health disorders like depression and anxiety, substance use disorder, stress and resiliency management - represents 6% of total claims and rank as the fifth-leading cause of disability. Over the last decade, claims for behavioral health have increased 21%, according to Unum's internal data.
Unum research also shows half of workers struggle with mental health issues, and 57% said they missed work last year because they felt mentally unwell.(1) Depression and anxiety in the workplace cause lost productivity on the job and unplanned absences.(2)
"COVID-19 further exacerbated the mental health crisis that we were already in, but it also helped normalize the need for mental health support," said Swapnil Prabha, vice president of Digital Offerings at Unum who spearheads the Unum Behavioral Health solution for employers. "Now more than ever companies should see meaningful returns from investing in employees' mental health."
Top Causes of Disability
Even the younger workforce is at risk of disability. The U.S. Social Security Administration estimates that one in four (www.ssa.gov/news/press/factsheets/basicfact-alt.pdf) of today's 20-year-olds will become disabled before reaching age 67.3 The top causes of short-term disability in 2020, according to Unum, were:
- Injury (10%)
- Pregnancy (25%)
- COVID-19 (10%)
- Joint disorders (7%)
- Behavioral health (6%)
In 2020, Unum paid $6.2 billion in benefits in the U.S. and helped over 900 companies manage more than 100 leave laws, including leave related to the Family Medical and Leave and state legislation.
UNUM
Unum provides a broad portfolio of financial protection benefits and services through the workplace, and is the leading provider of disability income protection worldwide. Through its Unum US, Unum UK, Unum Poland, and Colonial Life businesses, the company provides disability, life, accident, critical illness, dental and vision benefits that protect millions of working people and their families. Unum also provides leave and absence management services that streamline the leave experience for employers and employees and stop-loss coverage to help self-insured employers protect against medical costs. Unum reported revenues of $13.2 billion in 2020 and paid $7.6 billion in benefits. For more information, connect with Unum on Facebook, Twitter and LinkedIn.
- (1) Unum consumer survey of 1,200 U.S. working adults, April 2021.
- (2) World Health Organization (2016)
- (3) Social Security Administration "Faces and Facts of Disability" (2020)
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Attribution/Source(s): This peer reviewed publication was selected for publishing by the editors of Disabled World (DW) due to its relevance to the disability community. Originally authored by Unum Group and published on 2021/07/05, this content may have been edited for style, clarity, or brevity. For further details or clarifications, Unum Group can be contacted at unum.com NOTE: Disabled World does not provide any warranties or endorsements related to this article.