March 30, 2021| By Dr. Megan Leivant | Life/Health Medical VP,
Stamford
A sense of optimism is
growing around society’s recovery from the COVID‑19 pandemic, draped against a
background of effective vaccine development and its widespread rollout. While
clinicians have a better understanding of COVID‑19 disease, science is still
struggling to make sense of its long-lasting symptoms, known as Long COVID, and
what “long haulers” have in common.
The problem is that much may be known about who
is at risk for acute COVID‑19 disease, but little is known about the prevalence,
risk factors, natural history, and etiology of Long COVID.
There is no distinct pattern of who gets Long
COVID; it is reported in individuals who have mild to severe illnesses, and it
can involve multiple organ systems. Additionally, it’s not clear if the
symptoms represent a new syndrome unique to COVID‑19, as some sequelae overlap
with recovery from similar illnesses, such as post-intensive care syndrome and
multisystem inflammatory disorder. Some individuals with Long COVID report new
symptoms that were not present in their acute illness, or symptoms that seemed
to resolve but reappeared.
There is also no widely accepted definition of
the stages of COVID‑19 recovery. For example, the U.S. CDC defines late sequelae of COVID‑19 as those extending beyond four
weeks after initial infection. These long-term effects have recently been
renamed PASC or post-acute sequelae of COVID‑19. In comparison, ongoing symptomatic COVID‑19 has been defined as symptoms extending
from 4 to 12 weeks after onset and post COVID‑19 as symptoms that develop during or after
COVID‑19 and continue for 12 weeks or more.
Long-Haulers’ Symptoms
Long COVID symptoms are numerous and varied, and
no two people are affected the same way. Common symptoms include fatigue,
shortness of breath, cough, joint pain, and chest pain. Other commonly reported
symptoms include depression, muscle pain, headache, and
intermittent fever.
Less common serious long-term complications
include:
·
Cardiovascular -
Inflammation of the heart muscle, ventricular dysfunction
·
Respiratory -
Pulmonary function abnormalities and abnormal chest imaging
·
Renal - Acute
kidney injury
·
Endocrine -
New-onset diabetes (mechanism undefined)
·
Dermatologic -
Rash, hair loss
·
Neurological -
Smell and taste problems, sleep issues, difficulty concentrating, memory
problems
·
Musculoskeletal -
Symptoms similar to myalgic encephalomyelitis/chronic fatigue syndrome (brain
fog, severe persistent fatigue, poor concentration)
·
Psychiatric -
Depression, anxiety, mood changes
Long COVID Incidence
A few studies, however, have given us a reading
on incidence rates. Self-reported data, submitted through the UK’s COVID
Symptom Study App from 4,182 incident cases, suggests one in seven have
symptoms for more than four weeks, while one in 20 have symptoms for more than
eight weeks.1
In the U.S., the CDC conducted a phone survey in
July 2020 to study symptom duration and risk factors for delayed return to
usual health on a sample of 292 adults who tested positive for SARS‑CoV‑2.
The results showed that 35% of these respondents reported not having returned
to their usual state of health 14‑21 days after a positive test. For
comparison, 90% of people with influenza recover within this timeframe.2 Patients
aged 50 or above and the presence of three-plus chronic medical conditions
were associated with not returning to usual health within 14‑21 days.
In a recent study of outpatients by the University of Washington, around
30% with COVID‑19 reported persistent symptoms three to nine months after
illness onset; 14% reported fatigue and 30% reported decreased health-related
quality of life.3
In China, a large cohort study of about
1,700 hospitalized patients
with confirmed COVID‑19 showed that at six months, 76% of patients had at least
one residual symptom.4 More severely ill patients had an
increased risk of pulmonary diffusion abnormality, abnormal lung CT scan at
follow-up, fatigue or muscle weakness, and anxiety or depression.
It appears that COVID‑19 can result in prolonged
illness even in individuals who have a milder case.
Underwriting Assessment Advice
With new data accumulating all the time, it’s
perhaps too early to draw firm underwriting conclusions about Long COVID. That
being said, the residual symptoms of COVID‑19 do represent a growing body of
research with many parallels to the sequelae of other coronavirus diseases such as SARS and MERS.
For prognostication from an underwriting point
of view, until long-term follow‑up studies become available, the risk of an
individual with Long COVID should be carefully assessed based on present
complaints and compared with similar medical diseases.
Symptoms should be classified by specific
product and in relation to the global risk assessment.
Finally, bear in mind two findings unique to
patients with COVID‑19. First, those who appear to be at highest risk for acute
COVID‑19 disease do not necessarily appear to be the same individuals who are
at risk for Long COVID. And, those with prolonged symptoms can include
individuals who don’t require lengthy hospitalization and initially had mild to
moderate symptoms.
What we know about COVID-19 |
Those at risk ·
Individuals
aged 60 and over are most at risk (8 out of 10 COVID‑19 deaths
reported in the U.S. have been in adults ages 65 and older) ·
Certain
underlying medical conditions: Cancer, chronic kidney disease, COPD, Down
syndrome, cardiovascular disease, immunocompromised state, obesity
(BMI >30), pregnancy, sickle cell disease, smoking, type 2
diabetes mellitus |
Case Demographics A report from the China CDC and Prevention
that included 44,500 confirmed infections, showed:5 ·
Around
80% develop mild symptoms and do not require hospitalization ·
15%
become seriously ill and require oxygen ·
5%
become critically ill and need intensive care |
Clinical Spectrum ·
Asymptomatic
or pre‑symptomatic infection - Test positive for SARS‑CoV‑2 but have
no symptoms ·
Mild
illness - Exhibit various signs and symptoms of COVID‑19 but no
shortness of breath or abnormal chest imaging ·
Moderate
illness - Exhibit lower respiratory disease during clinical assessment
or on imaging and have normal oxygen levels ·
Severe
illness - Exhibit abnormalities in oxygen levels, increased respiratory
rate, or show lung infiltrates >50% ·
Critical
illness - Exhibit respiratory failure, septic shock, and/or multiple
organ dysfunction |
For a deeper discussion or specific question you
have about Long COVID, don’t hesitate to give me a call.
Endnotes
1.
https://www.medrxiv.org/content/10.1101/2020.10.19.20214494v2
2.
https://www.cdc.gov/mmwr/volumes/69/wr/mm6930e1.htm
3.
https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2776560
4.
https://www.sciencedirect.com/science/article/pii/S0140673620326568
5.
https://jamanetwork.com/journals/jama/fullarticle/2762130
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