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Thriving at work

Key points:

  • Look for jobs that use your strengths.
  • Before taking a job, make sure you look into any health benefits or disability insurance the employer offers.
  • Primary immunodeficiency or other immunocompromising conditions may qualify you as a person with a disability under federal and/or state law.
  • In most cases, federal and state laws protect those with disabilities from job discrimination and give them the right to negotiate with an employer for reasonable accommodations to perform their job.
  • Accommodations are modifications or adjustments to a job, the work environment, or the way things are usually done that allow someone with a disability equal opportunity to get and successfully do the job.

Job selection

Living with a chronic illness can present challenges when searching for a job, but there are many ways to work in a field you are passionate about.

Here are some tips to find the right job for you:

  • Focus on your skills and strengths, and look for job opportunities that allow you to utilize them.
  • Keep a positive attitude and display initiative and self-motivation during the job search process.
  • Remember that everyone has limitations, and don't let your chronic illness define you or limit your career aspirations.
  • You don't have to disclose your chronic illness during the job search and application process unless it affects your ability to complete essential job functions.
  • After you are hired, you can request accommodations if needed, but you are not required to disclose your chronic illness unless you are requesting an accommodation.

By following these tips, you can increase your chances of finding a job that is a good fit for your skills and abilities, while also accommodating your chronic illness.

Benefits

When considering a potential job, it's important to ask about the health insurance benefits and disability insurance offered by the employer. Here are some things to keep in mind when it comes to benefits and health insurance:

  • Health benefits are considered compensation and should be investigated in the same way as salary.
  • Employers cannot ask about any disability or medical concerns in response to you asking for health benefits information.
  • The Affordable Care Act (ACA) ensures that all Americans are eligible to receive health insurance regardless of pre-existing conditions.
  • Once you have health insurance, you cannot be dropped from the plan due to the expense of your treatment.
  • If a job doesn’t include health insurance, consider adding yourself to a spouse’s or parent’s plan (if applicable). You can also explore plans on the Health Insurance Marketplace or see if you qualify for Medicaid in your state.
  • Employers often provide short-term and long-term disability insurance coverage or wellness plans, in addition to health insurance benefits.

Short-term disability (STD) insurance covers leave from work for a temporary disability, such as pregnancy, accidental injuries, or illnesses.

  • STD insurance replaces a portion of your income, with the percentage paid depending on the insurance plan.
  • The replacement income comes from the insurance company, not the employer.
  • California, Hawaii, New Jersey, New York, and Rhode Island have state short-term disability programs.
  • Many STD insurance plans do not cover preexisting conditions such as PI, or do not cover such conditions until the expiration of a certain period of time, such as 12 months.
  • Some plans may cover preexisting conditions, but have certain specific conditions that are excluded. Be sure to investigate these rules.

Long-term disability (LTD) insurance picks up where STD insurance leaves off.

  • Once STD benefits expire (generally after three to six months), LTD insurance pays a percentage of your salary, usually 50-60%, depending on the policy.
  • Benefits last until you can go back to work or for the number of years stated in the policy.
  • Like STD insurance, many LTD insurance plans do not cover preexisting conditions such as PI, or do not cover such conditions until the expiration of a certain period of time, such as 12 months.
  • Some plans may cover preexisting conditions, but have certain specific conditions that are excluded. Be sure to investigate these rules.

Even if you are excluded from STD insurance, you may be entitled to medical leave under the Family and Medical Leave Act (FMLA) [1].

  • FMLA provides protections when you miss work because of PI or need to care for a child/spouse with PI.
  • FMLA only applies to employers who have at least 50 employees.
  • You may also be entitled to unpaid medical leave under the Americans with Disabilities Act (ADA) [2], [3].
  • State workers’ compensation laws and/or medical leave laws may have additional provisions that apply as well.

Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) gives workers who lose their health benefits the right to choose to continue group health benefits provided by their plan under certain circumstances.

  • If you lose your health coverage for a qualifying event, your employer will send you an election notice within 14 days after your last day on the health insurance plan.
  • You will then have 60 days to decide whether to elect COBRA continuation coverage, and 45 days after electing coverage to pay the initial premium.
  • Expect to pay the total premium (both your employer’s and your contribution to the premium) plus 2% for administration expenses.
  • COBRA plans can be expensive, so investigate plans on www.healthcare.gov too.
  • COBRA premiums are not tax-deductible, like they are when they are deducted from payroll.
  • COBRA defines certain qualifying events that would cause an individual to lose health coverage, with the type of qualifying event determining who the qualified beneficiaries are and the amount of time that a plan must offer the health coverage to them under COBRA.

Workplace accommodations

It’s important to consider how to keep yourself safe in the workplace as a person who is immunocompromised. If you qualify as having a disability, federal and state laws protect you from job discrimination and give you the right to negotiate with your employer for reasonable accommodations to perform your job. A reasonable accommodation is any modification or adjustment to a job, the work environment, or the way things are usually done that allows someone with a disability equal opportunity to get and successfully do the job.

Being immunocompromised may legally be a disability

Primary immunodeficiency or other immunocompromising conditions can qualify you as a person with a disability under the ADA and its successor, the Americans with Disabilities Act Amendments Act (ADAAA) [4].

The ADA defines someone as having a disability [5] if they have a physical or mental impairment that substantially limits one or more major life activities, have a record of such an impairment, or are regarded as having an impairment. The ADAAA explicitly mentions major bodily functions [6], including the immune system, as examples of “one or more major life activities.” So, if your diagnosis or condition substantially limits the function of your immune system, legally, it is considered a disability and you are entitled to ADA and ADAAA protections.

In addition, ADAAA clarified that medications or treatments that lessen the effects of an impairment should not be considered when deciding if the impairment “substantially limits” a major life activity. In other words, an immunocompromising condition may still qualify as a disability even if it is well-controlled with treatment. Impairments that are temporary, in remission, or come and go are also explicitly eligible under ADAAA.

Points to consider

ADA and ADAAA only apply to employers with more than 15 employees. However, some states have additional laws that apply to smaller employers [7].

Also, keep in mind that the ADA makes job discrimination against a qualified person with a disability illegal. To be qualified for a given job, you must be able to perform the essential functions of the job with or without reasonable accommodations. For example, an essential function of a hospital floor nurse is interacting with patients in person. If you are immunocompromised to the point that you cannot work with patients in person, your impairment makes it impossible for you to perform an essential function of the job, and you are not considered qualified to hold that position under the ADA.

Finally, any accommodation you request must be reasonable and cannot cause your employer undue hardship. What is reasonable versus what causes undue hardship depends both on what you are requesting and the size and resources of your employer. An example may be requesting to change the layout of a building that already meets the minimum ADA accessibility requirements—unless the building has movable walls, this would likely cause any employer undue financial and logistical hardship.

Example accommodations for the immunocompromised

Provided they don’t interfere with your essential job functions, here are some examples of accommodations that might be reasonable for someone who is immunocompromised.

To avoid exposure to infectious diseases:

  • Full- or part-time work from home; the COVID-19 pandemic provided a lot of evidence that many office workers can work from home and accomplish the essential functions of their jobs.
  • Air filtration, purifier, or cleaning unit in your workspace.
  • Workspace that is physically removed from others; for example, you might request an office rather than a cubicle, or request to move your cubicle away from others.
  • Ability to attend large meetings virtually; meetings could be attended from home or from your more isolated workspace.
  • Support for wearing a mask, disposable gloves, and/or a face shield in the workplace.
  • Limited or no travel.

To allow for medical treatments, side effects, or frequent illness:

  • Modified work schedule; for example, shifting work hours on the days of infusion treatments.
  • Limited or no travel.
  • Work from home when needed.
  • Modified leave policy. Note that, separate from the ADA, if your employer is covered by FMLA and you qualify for FMLA, you can take up to 12 weeks of unpaid leave within a 12-month period. This time does not have to be taken all at once; you can take it intermittently to cover recurring treatments, for example.

The list above is certainly not exhaustive. Check out the Job Accommodation Network’s (JAN) SOAR tool [8] for additional accommodation ideas.

How to request an accommodation

In general, employers should have a defined process for requesting accommodations. Check with your human resources department for details on that process. In addition, JAN has a form letter you can use to craft your request.

To request an accommodation, you will need to disclose your diagnosis or condition to your employer. A letter from your healthcare provider, as well as the chapter on your specific diagnosis from the Immune Deficiency Foundation Patient & Family Handbook can help you explain your condition and how it affects or may affect your job. However, note that your medical information is confidential, and disclosing it to human resources does not mean they can share it with others, internally or externally [9]. Your supervisor and coworkers are only entitled to know information required to implement any accommodation, not information about your diagnosis or condition itself.

It’s best to approach requesting an accommodation as a negotiation rather than issuing demands. Your employer does not have to agree to any particular accommodation as long as they put forth reasonable alternatives. The U.S. Equal Employment Opportunity Commission (EEOC) [10], which is responsible for enforcing ADA and ADAAA, calls this the “interactive process” and requires employers and employees to work in good faith under their enforcement guidelines for Title I of the ADA [11]. Be prepared to discuss alternatives to the accommodations you have requested and whether those alternatives work for you.

Sometimes, no matter how you approach requesting an accommodation, the process breaks down. In that case, JAN offers helpful advice on appealing your employer’s decision [12], including engaging local or state Fair Employment Practices Agencies (FEPAs) and ultimately, the EEOC if necessary.

Legal protections

There are powerful and important legal protections for workers with PI that employers must comply with under certain circumstances.

Americans With Disabilities Act (ADA) and Americans With Disabilities Act Amendments Act (ADAAA)

Employers with more than 15 employees cannot discriminate against qualified individuals with disabilities in job-related aspects such as application, hiring, promotion, firing, compensation, job training, etc.

  • A disability under the ADA includes a physical or mental impairment that substantially limits one or more major life activities, a record of such impairment, or being regarded as having such impairment.
  • Reasonable accommodations are adjustments to the job, practice, policy, or work environment that allow individuals with disabilities to participate equally in employment opportunities without creating an undue burden for the employer.
  • Reasonable accommodations may include modifying work schedule, acquiring or modifying equipment, time off for medical appointments, or telecommuting arrangements.

For more information about ADA, visit www.ada.gov. State legislation related to ADA is tracked by the National Conference of State Legislatures [13].

Family and Medical Leave Act

The Family and Medical Leave Act (FMLA) allows eligible employees in companies with more than 50 employees to take unpaid, job-protected leave for specified family and medical reasons [1].

  • Qualifying reasons include the birth of a child, adoption or foster care placement, caring for a family member with a serious health condition, or a serious health condition that makes the employee unable to perform the job's essential functions.
  • Employees must have worked for their employer for at least 12 months and worked at least 1,250 hours over the past 12 months (generally, ≥ 25 hours/week) to be eligible.
  • Although FMLA leave is unpaid, employers must maintain the person’s health insurance benefits during leave.
  • Eligible employees may take up to 12 weeks of unpaid leave in a 12-month period under FMLA. FMLA leave does not have to be taken all at once, it can be spread over time.

Many states have laws that expand on federal FMLA, and the National Conference of State Legislatures (NCSL) tracks these state-level laws [14].

U.S. Equal Employment Opportunity Commission

The U.S. Equal Employment Opportunity Commission (EEOC) enforces federal laws that prohibit job discrimination against individuals based on:

  • Race.
  • Color.
  • Religion.
  • Sex (including pregnancy).
  • National origin.
  • Age (40 or older only).
  • Disability.
  • Genetic information.

Discriminating against individuals who complained about discrimination, filed a charge of discrimination, or participated in an employment discrimination investigation or lawsuit is also illegal.

  1. Family and Medical Leave Act. In: Department of Labor [Internet]. [cited 6 Jan 2026]. Available: https://www.dol.gov/agencies/whd/fmla 
  2. The Americans with Disabilities Act. In: Department of Justice Civil Rights Division [Internet]. [cited 6 Jan 2026]. Available: https://www.ada.gov/ 
  3. Work-Leave, the ADA, and the FMLA. In: ADA National Network [Internet]. [cited 6 Jan 2026]. Available: https://adata.org/factsheet/work-leave 
  4. Questions and Answers on the Final Rule Implementing the ADA Amendments Act of 2008. In: Equal Employment Opportunity Commission [Internet]. [cited 6 Jan 2026]. Available: https://www.eeoc.gov/laws/guidance/questions-and-answers-final-rule-implementing-ada-amendments-act-2008 
  5. What is the definition of disability under the ADA? In: ADA National Network [Internet]. [cited 6 Jan 2026]. Available: https://adata.org/faq/what-definition-disability-under-ada 
  6. Americans with Disabilities Act Amendments Act. In: Job Accommodation Network [Internet]. [cited 6 Jan 2026]. Available: https://askjan.org/topics/Americans-with-Disabilities-Act-Amendments-Act.cfm 
  7. Federal, State, and Local Laws: Conflicts or Complements? In: Mid-Atlantic ADA Center [Internet]. [cited 6 Jan 2026]. Available: https://www.adainfo.org/article-archive/federal-state-and-local-laws-conflicts-or-complements/ 
  8. Accommodation Search. In: Job Accommodation Network [Internet]. [cited 6 Jan 2026]. Available: https://askjan.org/soar.cfm 
  9. Confidentiality of Medical Information under the ADA. In: Job Accommodation Network [Internet]. [cited 6 Jan 2026]. Available: https://askjan.org/publications/consultants-corner/vol11iss01.cfm?csSearch=3863758_1 
  10. Home. In: Equal Employment Opportunity Commission [Internet]. [cited 6 Jan 2026]. Available: https://www.eeoc.gov/ 
  11. Enforcement Guidance on Reasonable Accommodation and Undue Hardship under the ADA. In: Equal Employment Opportunity Commission [Internet]. [cited 6 Jan 2026]. Available: https://www.eeoc.gov/laws/guidance/enforcement-guidance-reasonable-accommodation-and-undue-hardship-under-ada 
  12. Your Accommodation Request Was Denied. What Now? In: Job Accommodation Network [Internet]. [cited 6 Jan 2026]. Available: https://askjan.org/publications/consultants-corner/Your-Accommodation-Request-Was-Denied-What-Now.cfm 
  13. Disability Employment Legislation Database. In: National Conference of State Legislatures [Internet]. [cited 6 Jan 2026]. Available: https://www.ncsl.org/labor-and-employment/disability-employment-legislation-database 
  14. State Family and Medical Leave Laws. In: National Conference of State Legislatures [Internet]. [cited 13 Jan 2026]. Available: https://www.ncsl.org/labor-and-employment/state-family-and-medical-leave-laws 

This page contains general medical and/or legal information that cannot be applied safely to any individual case. Medical and/or legal knowledge and practice can change rapidly. Therefore, this page should not be used as a substitute for professional medical and/or legal advice. Additionally, links to other resources and websites are shared for informational purposes only and should not be considered an endorsement by the Immune Deficiency Foundation.

Adapted from the IDF Patient & Family Handbook for Primary Immunodeficiency Diseases, Sixth Edition 
Copyright ©2019 by Immune Deficiency Foundation, USA