The pattern of findings suggests several ways to support recovery during the COVID-19 pandemic and other catastrophic events (e.g., natural disasters). First, recovery capital showed a consistently protective effect and may serve as a highly suitable intervention target. Second, early recovery appears to be a vulnerable period, and targeted support may be necessary for those with less time in recovery. Third, tailored assessments of other key factors and gender-appropriate supportive interventions may be necessary for women and men to ensure stable recovery.