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.
Many of my friends who get The Disability are anxious about it. If the government ever cracks down on it and makes people re-apply, they are done and they know it. When the government damages you, you can’t go to the government to get relief like you can when a corporation damages you.
I had a guy on a ministry team who had to drop out because he was trying to get Disability. He was basically house-bound for months because he was scared he would get investigated and the truth would come out.