Or perhaps the personal values with which they were raised don't allow them to consider other alternatives. Workers' compensation is one way of temporarily relieving a painful situation. It's a valid and important function of the workers' compensation system. And most employees come back from injury ready to return to life and work. But not all.
Some disabled workers stay disabled.
They get used to a disabled lifestyle. A disabled lifestyle is not without drawbacks. Disabled persons usually have to live on less income. They may need to be less active. But a disabled lifestyle can have advantages, too.