The Disability just doesn’t pay that much and places too many restrictions on you. Not only that, you don’t want to depend on the government because you have to recourse if they decide to screw you.
Private disability plans are better but harder to get into. Disability is like sword over your head all the time.
You are so correct-and that is something my comp clients were/are always cautioned about when/if they start talking about that-I tell them it is their decision, but that if they decide to lawyer up and go the SSDI route, I will close their case-my job is to help injured people return to work-not collect disability benefits beyond what workers comp pays.