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What Older Workers Should Know Before Returning to Work

Timely advice from Monique Morrissey of the Economic Policy Institute

By Richard Eisenberg

Now that we’re entering a new stage of the coronavirus pandemic in many parts of the country, many Americans will be told to come back to their workplaces. Employers like Apple and Facebook are spelling out the new rules. But whether to return can be a difficult decision for older workers concerned that it could heighten their risk of contracting COVID-19.

at-home employee
Credit: Adobe

In a recent survey of workers from workplace well-being expert Michelle McQuaid and the Center for the Advancement of Well-Being at George Mason University, 78% of the workers reported “not feeling positive” about the prospect of returning to the office as pandemic restrictions ease. And just 22% of those who started working at home due to COVID-19 said they are feeling positive about returning to work.

Some employers, however, are giving employees little choice. Or, as at Tyson Foods, they’re penalizing ones who miss shifts and potentially firing them for too many absences. According to The Wall Street Journal, "state and federal workplace safety agencies have fielded complaints from workers and advocates from at least 34 workplaces expressing concerns that older workers or employees with pre-existing health conditions weren't being properly protected from, or in some cases informed of, the coronavirus spread in the workplace."

Older Workers and the Coronavirus Risk

Many employers are in a quandary about whether they’d be increasing the coronavirus risk to their workforce by bringing in their employees in their late 60s or older — who the Centers for Disease Control has said are more vulnerable to COVID-19 than younger people, generally speaking.

"We have forced people called essential workers to work during the pandemic with no regard to the risks and no protections."

“It’s a dicey subject when [coronavirus] risks are age-related,” said Monique Morrissey, an economist specializing in older workers at the nonprofit Economic Policy Institute, which focuses on low- and middle-income workers. “You want to address older workers, but not stigmatize them.”

I recently interviewed Morrissey for her insights about older workers and COVID-19 as well as her advice to them about returning to work in this new phase of the pandemic. Highlights:

Next Avenue: You recently gave a presentation in a webinar on older workers and COVID-19 and called it ‘This Time It’s Different.’ What did you mean?

Monique Morrissey: Usually, in a recession, because older workers have more tenure than younger workers, they’re less likely to lose their jobs. But this time, you can’t say they’re less affected. In fact, workers in their fifties and older are more likely to be unemployed due to the recession.

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On the flip side, the pattern we usually observe in a recession is that although older workers are relatively less likely to lose their jobs, the ones who do take a much bigger proportional hit in pay if they get new jobs. It can take them twice as long to get hired, if they get hired at all.

And what about their retirement savings and their earnings?

Typically, in a recession, the older, middle- and upper-class workers take a hit to their retirement savings. This time, the stock market has sort of propped up those people losing their jobs.

And older workers losing their jobs might not see as big a drop in their earnings when they come back to work because many of them had low-income jobs, like home health aide or child-care worker.

Age Discrimination in the New Phase of the Pandemic

Are you concerned about age discrimination by employers as managers decide which employees to bring back?

Will they cherry-pick workers?  The employers might be tempted to engage in age discrimination. Even though that’s illegal, it might be hard to prove.

Before we get to the problems older workers are facing, and will be, can you talk about some of the relief measures that have been helpful to older workers and why?

The government extended unemployment benefits by duration and by who gets covered. People got six hundred dollars on top of normal unemployment benefits because states only cover a fraction of earnings and in some states, the amount in benefits is pathetically low. So, this has helped older workers and especially low-income older workers.

And the small-business PPP money [the Small Business Administration’s recent Paycheck Protection Program] disproportionately benefited older workers because older adults are more likely to work for small businesses than bigger businesses.

What Employers Need to Do

Can you talk about health and safety protections for workers? What do you think employers need to do?

We have forced people called essential workers to work during the pandemic with no regard to the risks and no protections. OSHA [the Occupational Safety and Health Administration] has done nothing. It’s scandalous, really.

The CARES Act said which people can be eligible for unemployment benefits related to COVID-19 and said that if you were told to quarantine by your doctor, that’s legitimate for the COVID benefits. But there’s nothing in this law about what to do if your employer tells you that you need to come back to work and you’re high risk because you have underlying conditions or because of your age and there’s no way to use social distancing at work or make your job safe. That could’ve been clarified.


The Texas Workforce Commission has explicitly said that one risk factor that allows workers to be eligible for unemployment benefits even if they turn down offers to return to work is being over 65. That’s great, but it’s just Texas and there’s a clear line at age 65.

How should offices be set up to allow people to return safely?

All employers are looking at that carefully. We want to think that taking precautions with masks would be sufficient. But a lot depends on ventilation and how many people are working in the space.

Monique Morrissey of Economic Policy Institute
Monique Morrissey of Economic Policy Institute

Employers might be short-sighted if they force the issue too quickly. They may come to regret it.

My take is that the health part [of the pandemic] will drag out longer than people think and the economic downturn, unless we smarten up, will take longer than we think.

What If You're Afraid to Go Back to Your Workplace?

What would you tell older workers who are uncertain about going back to work because they’re afraid they will get the coronavirus but they’re also afraid of losing their jobs?  

If it’s a health decision, it doesn’t make sense to make a gut decision based on hoping and praying something won’t affect you. It’s worth taking a financial hit in the short run to preserve your health.

Some states are encouraging employers to tell the state unemployment departments if certain workers won’t go back to work because they are concerned about COVID-19. And some employers have been trying to coerce workers reluctant to come back with the fear of cutting off their unemployment benefits if they don’t come back.

How can older workers get their employers’ working conditions changed to be safer?

If you see some people aren’t wearing masks, ask your employer to explain to workers why wearing a mask is not being hostile to other workers. It is a way to protect them. It sends a signal of reciprocity and of being considerate.

How can someone negotiate with an employer about going back to work during the pandemic?

It depends on your relationship with your employer. A worker who is valued by an employer and has a good relationship could bring it up on behalf of all workers with elevated risks.

You can show your willingness to come back to work with concrete proposals to make it safe. Try to point out to the employer that this will, in the end, benefit them and reduce absenteeism.

I’ve seen one estimate saying that forty-two percent of the jobs lost due to the pandemic will never come back and another saying that the pandemic will push 3.1 million older workers into poverty. Do you share those expectations?

All those things are possible. What we do know is that the coronavirus and the recession will inevitably increase senior poverty.

Photograph of Richard Eisenberg
Richard Eisenberg is the former Senior Web Editor of the Money & Security and Work & Purpose channels of Next Avenue and former Managing Editor for the site. He is the author of "How to Avoid a Mid-Life Financial Crisis" and has been a personal finance editor at Money, Yahoo, Good Housekeeping, and CBS MoneyWatch. Read More
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