Your thoroughness is super thoughtful and sounds like an ethical and practical way forward. IMO the liability issues will play out in the decade to come as precedents emerge that pay an attorney to troll them.Already done, the policy outlines risks for the un-vaccinated and the vaccinated, incentives have been offered, and as is the case with all policies, acceptance is a condition of employment. Interesting note on the insurance, in talking with our carrier they're worried about lawsuits from both sides of the argument, vax vs. non and on both the medical liability and employment fronts. For us, personal feelings about it aside, a mandate would cause the loss of skilled employees, and with the path we've chosen, we haven't lost anyone over our handling of the Covid mess. Since we're under 100 it's a moot point, but in speaking with our attorney and our carrier, the feeling is that between the enforcement problems and the court challenges it will be a huge clusterfuck if companies choose to fight it. Not to make this a political post, the fact that Congress and their staff are exempt from the Federal mandate, and the fact that undocumented immigrants are not required to be vaccinated may come back to haunt the mandate effort. It will definitely be interesting to see it all play out.
The part that will no doubt enrage both sides in the future: Qualification for Medicare disability for people who knowingly and willingly avoided taking preventative measures, mostly as a political gesture. Should they be eligible for long term income because they can't work? It's not much different than the individuals I've seen in the construction industry that care little about their health and look for ways to game the system for a leisure paycheck X a million people.