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Long Covid’s financial devastation: $8,000 in credit card debt, ruined retirement plans

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Long Covid’s financial devastation: ,000 in credit card debt, ruined retirement plans

Teresa Harding

Source: Teresa Harding

It took three months for Teresa Harding to open her termination letter.

“I could not have a look at it,” Harding, 47, stated. For seven years, she’d labored at a ache administration middle in Lexington, Kentucky. “I loved my co-workers and our sufferers.

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“It was a enjoyable, thrilling job,” she added.

However after a critical bout with Covid in July 2021 that landed her within the hospital, Harding by no means acquired higher. Unable to work, she was laid off in January.

Extra from Your Well being, Your Cash

This is a have a look at extra tales on the complexities and implications of lengthy Covid:

“I simply sit at house, watching films that I’ve seen earlier than however do not keep in mind,” Harding stated. “I’ve misplaced my objective.”

She and her husband, Roy, additionally must pay round an additional $300 a month for therapies for her lingering signs of reminiscence loss, extreme fatigue and migraines.

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“We’re barely making ends meet,” Harding stated.

The negative effects aren’t simply bodily

On high of the toll taken on their well being, sufferers with lengthy Covid — a persistent sickness with signs that persist for months or years after an infection — describe a devastating influence on their funds.

Practically half of individuals with lengthy Covid reported elevated medical bills, in response to a latest survey performed by the Affected person Advocate Basis. The nonprofit polled 64 folks with the situation between 2020 and 2022. Greater than a 3rd of respondents stated their revenue had gone down on account of lengthy Covid.

“Lengthy Covid is a major instance of a situation that may create massive bills as a result of it has a number of signs, any of which may require distinct medicines or therapies,” stated Caitlin Donovan, a spokesperson for the Nationwide Affected person Advocate Basis, the PAF’s sister group centered on academic assets.

“It additionally straight threatens sufferers’ capability to work persistently,” Donovan added.

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Lengthy Covid threatens monetary stability

As many as 23 million Individuals are battling the persistent situation, and “this quantity will solely proceed to develop as Covid-19 continues to flow into,” in response to a latest report by the U.S. Division of Well being and Human Providers. The federal government company warned that the sickness could have an effect on folks’s monetary stability, “resulting in an elevated probability of eviction or homelessness.”

Though the Biden administration is researching lengthy Covid and gathering activity forces to deal with it, sufferers nonetheless describe difficulties navigating the prevailing security web and the absence of any particular new protections or help to which they will flip. Earlier within the public well being disaster, the federal government expanded unemployment advantages and despatched direct funds to households.

“Lengthy Covid is as a lot a part of the pandemic as is the acute section, throughout which the federal government went to nice lengths to deal with folks and save lives,” stated Oved Amitay, president of the Lengthy Covid Alliance, an advocacy group. “We should always have the identical urgency and intentional effort to deal with this.”

‘A reasonably dramatic impact’ on retirement planning

Sharon Sunders

Courtesy: Sharon Sunders

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Practically three years after Sharon Sunders acquired Covid, she’s nonetheless coughing.

Within the spring of 2020, when months had handed since she’d first contracted the virus, Sunders tried to return to her job as a challenge supervisor at a advertising company in Minneapolis.

Nearly instantly, she realized she wasn’t up for it.

“There is no approach I may preserve working,” stated Sunders, 59. “My reminiscence stinks.

“I am brief on breath once I speak or transfer round,” she added. “There’s extreme exhaustion, too.”

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Lengthy Covid is as a lot a part of the pandemic as is the acute section, throughout which the federal government went to nice lengths to deal with folks and save lives.

Oved Amitay

president of the Lengthy Covid Alliance

Thankfully, Sunders had incapacity insurance coverage via her job and has been in a position to reside off these funds. Nonetheless, they cowl nearly half of her prior earnings.

“It is sufficient to satisfy our primary wants, however not the rest,” she stated.

Sunders had deliberate to work for not less than 5 extra years to construct up her nest egg. These plans at the moment are foiled, and he or she and her husband, Joel, are contemplating starting to withdraw from their retirement financial savings years earlier than they’d hoped.

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“It is had a fairly dramatic impact on my retirement planning,” she stated. “It is scary.”

She’s additionally been hit with a slew of further prices associated to her situation.

“They’ve finished MRIs of my coronary heart and lungs; I have been to cardiologists and pulmonologists,” Sunders stated. “I’ve had extra assessments than I can keep in mind.”

One Harvard College researcher estimated that lengthy Covid may go away sufferers with an additional $9,000 a 12 months in medical bills.

Sufferers ‘could not have the assets’ to use for help

Over the past two years, Sunders has additionally been denied twice for Social Safety Incapacity Insurance coverage, the federal profit meant to complement the revenue of these bodily unable to work.

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The Biden administration introduced in July 2021 that lengthy Covid may very well be thought of a incapacity underneath the Individuals with Disabilities Act, however sufferers and consultants say it is extremely tough for these with the situation, which could be difficult to diagnose, to get accepted.

“Lots of people with lengthy Covid are being denied Social Safety incapacity insurance coverage,” stated Dr. Monica Verduzco-Gutierrez, professor and chair of the Division of Rehabilitation Drugs on the College of Texas Well being Science Middle at San Antonio. Verduzco-Gutierrez works primarily with Covid sufferers via the clinic she established in 2020. She additionally spends lots of her time on incapacity purposes.

Of the lengthy Covid sufferers she has seen, solely 2 out of fifty who’ve utilized for SSDI have been accepted to this point, she stated.

It is had a fairly dramatic impact on my retirement planning. It is scary.

Sharon Sunders

lengthy Covid affected person

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“They could not have the assets to undergo the method,” Verduzco-Gutierrez stated. “They’re having to rent attorneys. A few of them are simply giving up.”

Sunders is adamant that she qualifies for the profit, and refuses to surrender. She’s at present concerned in her third attraction of the federal government’s determination to reject her.

However the battle has worn her down much more.

“I normally have a few good hour a day,” she stated. “It is laborious for me to answer all these requests for medical data.”

To this point, the Social Safety Administration has flagged about 44,000 incapacity claims nationally that embody Covid as one of many medical circumstances, in response to company spokeswoman Nicole Tiggemann, making up simply 1% of all incapacity purposes the company has acquired.

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To be accepted, “an individual should have a medical situation or mixture of circumstances that forestalls the person from working and is predicted to final not less than one 12 months or end in dying,” Tiggemann stated.

‘There is a tidal wave of us coming’

Sunders needs the Biden administration would do extra to assist these financially battling lengthy Covid.

“Our authorities is abandoning us,” she stated. “However I am just the start; there is a tidal wave of us coming.”

Harding feels the identical.

“I learn in my assist teams each day how persons are shedding their jobs as a result of they’re not bodily in a position to carry out them, however you may’t reside on nothing,” Harding stated. “If the federal government would not acknowledge what is going on on, you are going to have tons of individuals with out houses, going hungry.”

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The White Home didn’t reply to requests for remark.

When her paychecks stopped coming in, Harding needed to money out her 401(okay) retirement financial savings. She had about $15,000 within the account.

Within the following months, she and her husband have additionally racked up greater than $8,000 in debt on their bank card.

“We put meals, fuel, medicine and hospital payments on it to verify we’re in a position to pay for our automotive and residential,” she stated.

Harding utilized for SSDI in August, however hasn’t heard again but. The wait is worrying. And an individual within the Social Safety workplace had been discouraging.

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“They stated that it is normally a two- to four-year battle to get it,” she stated.

— Jessica Dickler contributed reporting.

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1 dead, 6 injured in shooting at Lincoln University homecoming festivities

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1 dead, 6 injured in shooting at Lincoln University homecoming festivities
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One person was killed and six were injured in a late-night shooting Oct. 25 at Lincoln University in Chester County, Pennsylvania.

The gunfire erupted just before 9:30 p.m. Saturday in the parking lot of the university’s International Cultural Center, where students and alumni had gathered for homecoming festivities.

Investigators have not yet determined if there was more than one shooter. One armed person was taken into custody, but investigators are not saying if that person is a suspect.

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“It was a chaotic scene and people were running everywhere,” said Chester County District Attorney Chris de Barrena-Sarobe during a 1:00 a.m. press conference. He confirmed the fatality and multiple injuries but said details remain scarce.

Investigators said they have identified the victims, but have not yet released information about them, including whether any of them were students.

The FBI, Pennsylvania State Police and Lincoln University Police Department are involved in the investigation. Authorities say more information will be released as the investigation continues Oct. 26.

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A motive for the shooting is not known at this time, investigators said.

“We’re operating as if this is not an incident where someone came in with the design to inflict mass damage on a college campus,” de Barrena-Sarobe said. “We’re collecting ballistic evidence and going through that evidence now.”

The shootings occurred during what Lincoln Police Chief Marc Partee described as a tailgate celebration “where we gather, we meet friends that we’ve seen, haven’t seen for years, reconnect, share stories, things of that nature.”

The HBCU university’s homecoming game against Elizabeth City State University was played earlier that afternoon.

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“This was to be a joyous occasion − homecoming, when individuals come back and they give back to their alma mater, and they relive the good memories of their times at Lincoln University,” Partee said. “This was interrupted by gunfire that should not have occurred, and we are concerned for our students who had to experience this, our alumni who had to experience this, and our visitors.”

Outside the campus gates the following morning, the only visible sign of the tragedy was ribbons of caution tape fluttering in the breeze.

Access to the campus is restricted. Every vehicle is being stopped, and only students and their parents are being allowed entry.

Students who have ventured out beyond the school grounds say the atmosphere on campus is tense and subdued.

Sani Freeman, 20, who was visiting friends and her sister, a student at Lincoln, described the campus as eerily quiet. She and senior Jiles Ebai had just left the parking lot minutes before the gunfire erupted.

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“We heard it, but we didn’t know what was going on,” Ebai said. “Then we saw people running.”

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Lincoln University senior Jiles Ebai talks about fatal campus shooting

Lincoln University senior Jiles Ebai talks about campus shooting that left 1 dead, 6 hurt

Ebai said he doesn’t believe the shooter was a student at the school. “Why would we mess our homecoming up?” Raheem Henderson, a sophomore who did not attend the homecoming events, was dropped off at the entrance and expressed concern about campus safety.

“I think it’s sad,” Henderson said. He added that he believes future homecomings should be canceled or have better security.  

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Lincoln University is located along Baltimore Pike in Lower Oxford Township, Pennsylvania. It was one of the nation’s first historically Black colleges and universities. It enrolls nearly 2,000 students.  

Investigators are urging anyone with information, photos, or videos from the scene to contact the FBI tip line at 1-800-CALL-FBI.

This story will be updated.

To share your community news and activities with our audience, join Delaware Voices Uplifted on Facebook. Nonprofits, community groups and service providers are welcome to submit their information to be added to our Community Resources Map. Contact staff reporter Anitra Johnson at ajohnson@delawareonline.com.

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Video: How Trump Is Getting Some Workers Paid Despite the Shutdown

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Video: How Trump Is Getting Some Workers Paid Despite the Shutdown

new video loaded: How Trump Is Getting Some Workers Paid Despite the Shutdown

President Trump has been reprogramming funds to pay workers during the shutdown who are essential to his political agenda. Tony Romm, a New York Times reporter covering economic policy, explains the moves, and the questions they’ve raised.

By Tony Romm, Alexandra Ostasiewicz, June Kim and Pierre Kattar

October 25, 2025

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It’s been a rollercoaster few years for Six Flags. Can Travis Kelce help?

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It’s been a rollercoaster few years for Six Flags. Can Travis Kelce help?

Kansas City Chiefs tight end Travis Kelce says he grew up going to Six Flags parks and wants to help make them special for the next generation of families.

Reed Hoffmann/AP


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Reed Hoffmann/AP

Travis Kelce, the Kansas City Chiefs tight end and fiance of Taylor Swift, sparked jokes and hopes this week when he announced his investment in the embattled amusement park company Six Flags Entertainment.

The football star, alongside two corporate executives, teamed up with JANA Partners to purchase a combined stake of about 9% of Six Flags’ shares, making them one of its largest shareholders, according to Tuesday’s news release.

JANA Partners is an activist investment firm, meaning it buys a substantial stake in a company’s equity in order to push for changes — both operational and managerial — it believes will benefit that company.

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“Couldn’t pass up the opportunity to continue the tradition and make Cedar Point and Six Flags even more special for the next generation of families!” Kelce wrote on Instagram. “So crazy to even imagine this is real, but you gotta love it when life comes full circle.”

Kelce also shared home video clips of himself as a child enjoying the rides at Cedar Point, the 364-acre amusement park in Sandusky, Ohio, that he and his brother (and retired pro footballer) Jason grew up going to every year, as the two enthusiastically reminisced in an episode of their New Heights podcast. Kelce, who grew up in a suburb of Cleveland, calls himself a “lifelong Six Flags fan.”

Cedar Point’s former operator, Cedar Fair, merged with Six Flags in 2024 to become the largest amusement park operator in North America, touting 42 parks across the U.S., Canada and Mexico.

At the time, many amusement parks — and Six Flags especially — were struggling to increase attendance in the wake of the COVID-19 pandemic. Park analysts and enthusiasts hoped the merger would lower ticket costs, raise revenue and make it more competitive against industry heavyweights like Disney and Universal.

But that hasn’t been the case, says Dennis Speigel, CEO of the consulting firm International Theme Park Services.

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“As this merger occurred, I think the due diligence was probably done a little too quickly and it had a lot of flaws in it,” he told NPR. “And then it was also impacted by what I call the external factors: weather, economy, uncertainty of what’s happening in geopolitical areas.”

Six Flags now has $5.3 billion in debt. Its CEO, Richard Zimmerman, is set to step down by the end of the year, after it reported a net loss of $100 million for the second quarter of 2025 and combined attendance down 9% year-over-year. It is shuttering one of its parks — Six Flags America in Bowie, Md. — in early November and is expected to close another in Santa Clara, Calif., in 2027.

Speigel is hopeful the new shareholders will get Six Flags back on track. And while he was initially surprised to learn of Kelce’s involvement, he says it makes sense because “he’s at the zenith of his career in football … and in love.”

“Having a name like that be associated with Six Flags at this point in time, when they’ve gone through quite a few years recently of negativity, speaks well to their future and what they’re looking to do,” he says. “Obviously, he’s a younger person. He speaks to the teens, the young adults and the young adults with families. And that’s the Six Flags audience.”

Kelce’s fame — and high-profile love story — have boosted businesses before. Swift is credited with increasing female NFL viewership and ticket sales as their relationship unfolded. And, in recent days, his social media announcement has been flooded with fans’ pleas for a Swift-themed park, or at least a rollercoaster.

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Six Flags’ rocky ride 

Six Flags opened with the “Six Flags Over Texas” park in 1961, and for years was one of America’s most iconic theme park companies (along with Disney). But for the last decade, Speigel says, it has been “a ship at sea without a captain.”

“I would have to say [out of] the top five or six operators during the last couple of years, Six Flags has suffered the most,” he says.

Six Flags has had four CEOs since 2015.

It shifted its pricing strategy in 2022 to target a more affluent demographic, confusing and alienating core customers in the process. And in recent years, a number of high-profile ride malfunctions have stranded and even injured visitors. This year, extreme temperatures and economic uncertainty drove attendance down even further.

“To see Six Flags have fallen off the precipice and down to where it is now, it’s sad,” Speigel says. “And everybody in the industry, competitors and alike, are all rooting for their return and their comeback.”

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Visitors dance under a "Welcome Back" sign at Six Flags Magic Mountain in Valencia, Calif. in 2021.

Visitors arrived to a “Welcome Back” sign at Six Flags Magic Mountain in Valencia, Calif., when it reopened after the COVID-19 pandemic in April 2021.

Jae C. Hong/AP


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What might change? 

JANA Partners said in its announcement that it plans to engage with Six Flags’ management and board of directors “regarding opportunities to enhance shareholder value and improve the guest experience.”

NPR has reached out to Jana Partners for more information about its goals but did not hear back by publication time.

The Wall Street Journal reports that the investment firm wants to “modernize technology, refresh leadership and evaluate a potential sale as ways to boost the company’s share price.”

In a statement shared with NPR, a Six Flags spokesperson said it appreciates the perspectives of shareholders and takes their feedback seriously.

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Speigel says Six Flags’ debt could force the new investors to take “some drastic measures,” like selling some of its parks, either to commercial real estate or even private equity groups. And he stresses that foot traffic is key in the industry.

“We live on repeat visitation, and repeat visitation is driven by capital improvements, new rides and attractions, dark rides, the new technologies,” he says. “So we have to hopefully see the growth from that.”

Speigel says even though U.S. amusement parks may not be experiencing the same rate of growth that they did several decades ago, they still attract some 400 million visitors each year — most of whom don’t care who owns a park as long as their experience is clean, fun and safe.

He hopes JANA recognizes Six Flags, and the industry in general, as “the last real bastion of family fun in the United States, in fact globally, where a family can go as a total unit. And I hope they put their capital behind that and lift it out of the ashes where it is now.”

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