"If long-COVID patients, called long-haulers, file as expected, it could amount to an historic influx into the US's disability system. But claims require approval, and some insurance providers are already denying long-COVID claims, leaving it up to HR departments to consider other ways to protect their workers.... Attorney Andrew Kantor says the rejections are strategic and expected: 'Insurers are incentivized to deny righteous claims because there is very little risk to doing so.' "