Tag Archives: Covid

Have an IEP Contingency Plan During COVID

We have reached another sad milestone with the COVID-19 pandemic. America now has more deaths than we had from the 1918-1919 flu outbreak. This is truly sad and scary. We are weeks away from an Emergency Authorization for vaccines for the younger students and several weeks or months away for the total student population to be fully vaccinated. We need to be realistic that our students are still at a higher risk. Our children are the immunocompromised, the unvaccinated, the medically fragile, and for some, the vaccines don’t work. Schools across the state and country are adjusting to in-person learning in varying degrees. I think we all can agree our student population gets sidestepped regularly. While the pandemic exposed many missing pieces in our institutions, it is always up to us to advocate for equal access for our children. The current upward trend in Covid cases in children convinces me it is likely our students will need to quarantine or isolate within the next few months.


The school districts are not required to address the needs of our children if they remain home for less than ten days. We are too familiar with how sensitive our children are to change. The loss of 10 days of services should not be more circumstances forcing us to give up or handle without support. It is grossly unfair and, frankly, discriminatory. We have one of two tools at our disposal to ensure a Free Appropriate Public Education (FAPE): the Individualized Education Plan (IEP) or 504 Plan. So, let us use them. I recommend updating our child’s IEP or 504 Plan with a Contingency Learning Plan (CLP). Do not bother asking for an emergency IEP meeting. In your cover letter, state your request to amend the IEP or 504 Plan immediately.


The experts on our side. The American Academy of Pediatrics (AAP) recommends schools should update IEPs and 504 Plans to accommodate virtual and hybrid instruction with variable learning methods and prioritizing goals. Teachers and staff should “find creative and flexible approaches to achieve such goals.” Modes may include providing options for aides, nursing, therapy, and food delivery. Schools should also consider siblings who may have to remain home due to the disabled student’s unique medical needs. The AAP also states the schools should allow for a flexible schedule to accommodate the needs of the working parents. Ok, we do not have to ask for the moon, but I like where the AAP is going with this.


The New York State Education Department received $8 Billion in COVID response funds towards learning with $2 Billion allocated towards intervention services “… to ensure that such interventions respond to student’s academic, social, and emotional needs…” Under FAPE, schools must ensure our students have equal access and opportunities as other students by employing an IEP or 504 Plan to level the playing field. The Department of Education recommends the IEP team consider a distance learning plan to be implemented during a selected closure, outbreak, or stay-at-home order.


I submit to you my idea of how a Contingency Learning Plan may look. Template is in my media section. Please feel free to adapt and edit to fit your child’s circumstances keeping in mind this is an add-on to their current IEP or 504 Plan and not a replacement. I would love to see your changes and how your school has implemented or supported your child during this crisis.


In health and safety,
Gail
9-23-21

The Next Epidemic is Here

While we are focusing on COVID-19 and getting vaccinated, there is an epidemic on the rise, post-acute sequelae of COVID-19 (PASC), known to us as Long COVID. For many patients, being clapped-out of the hospital by the medical staff is not the endpoint of COVID-19.

There are thousands of hospitalized patients as well as those recovering at home with mild cases who are experiencing long term debilitating conditions. It’s been documented those who were intubated on average lose about 10 years of cognitive decline and 8.5 IQ points. In a global study with patients post COVID 6 and 9 months, almost 50% could not return to work full time and 22% are not working at all. The majority said they are having difficulty thinking clearly or “brain fog” which is adversely affecting their Instrumental Activities of Daily Living (managing finances, medication, and shopping). Several other symptoms have persisted and are adversely affecting their Activities of Daily Living (bathing, walking, and eating). The second most noted symptom is chronic fatigue. Adults are becoming exhausted after walking up a flight of stairs. Younger adults and teens are showing exercise intolerance and poor sports performance. Chronic cardiac dysfunction is showing up in both severe and mild cases in older and young patients. Schools are requiring cardiac evaluations prior to allowing students to return to any athletics. Respiratory issues and scarred lung tissue make any further inflammation potentially life threatening. And then there is the hair loss, because COVID isn’t cruel enough.

Can your family take care of you for 9 months or longer and financially support everyone during your convalescence including the additional expenses needed for your recovery? If you are totally disabled, you may be able to receive Social Security Disability but do not count on it. What if your residual COVID symptoms do not completely disable you? Will you be able to work at your former occupation or capacity? What if you cannot work full time or need to take regular breaks? What if your SSDI isn’t enough? What will you and your family do?

We need to address life with Long COVID (PASC) or any other long term disability. Prior to COVID, there was a 30% chance someone over 35 would suffer a disability lasting longer than 90 days and half of them can expect to be disabled for at least 5 years. We are more likely to be disabled than die an early death so it’s imperative we plan for it. There are several things you can do now to make getting through any long term illness a lot easier.

• Review your current health care coverage. Make sure it’s adequate and will continue. Traditional insurance and Medicare do not cover long term care.
• Speak with your family members about your views on general medical care and life sustaining intervention. Pick a surrogate who will act in concert with your personal values.
• Complete a COVID-19 Disability Hospital Care Form. This is a nonbinding document to inform your medical team the best way to deliver and communicate your medical needs.
• Make sure your surrogate knows your choice of hospital and have them contact Palliative Care for your stay. Palliative care is a team of specialists who offer a wide range of care to prevent and relief suffering. It includes spiritual, psychological, physical, and social care.
• Contact an attorney to draft an Advance Care Directive with a Health Care Proxy. An Advance Directive states your wishes regarding your medical care. A Health Care Proxy is the person named as your surrogate if you are incapacitated. They are the legal documents to direct your medical team.
• Review your finances and the potential adverse effect your incapacity may have on your family’s income and expenses. Having a long term or permanent disability will most likely include additional expenses to assist in your care. Will your home need to be made accessible? Will you require long term services such as therapy or a home health care aide?
• Purchase Life Insurance with a Long Term Care or Chronic Illness rider. Both riders allow the insured access to the policy’s death benefit, up to a set amount, if the insured requires long term care services and supports.
• Purchase a Disability Income insurance policy while you are healthy and working. This is protection for your loss or reduction of earned income due to a long term illness or disability. It will reduce your need to deplete your savings and other assets preventing a bankruptcy or worse.

The good news is there are more vaccines on the horizon and soon all those who need and want to be vaccinated will get it. The bad news is there still are debilitating illnesses. Health care insurance policies (including Medicare and Medicaid) cover only the medical portion of care and some do better than others. It is imperative you find what suits your personal needs, values, and budget.

Gail Eidman
Certified Financial Planner™
Chartered Life Underwriter®
Chartered Special Needs Consultant®
Licensed Professional Insurance Agent in New York and New Jersey
3-6-21