Some see the event as being aimed at them, either intentionally or negligently. Those who are angry and feel exploited are probable candidates for extended use of the disability channel. For perhaps the first time in their lives the disability and the disability benefit system gives the employee new leverage in confronting the employer. Or at least it levels the playing surface. In the workers' compensation system, the fact that a disability cannot be proven is often less important than that it can't be disproven.
Some employees settle in for a long fight at the first skirmish.
They resolve they're disabled and reject the opinions of any physicians who tell them they are not. They're determined to fight for their rights. The battle is joined. This scenario is not the product of psychopathic opportunists who steal because they can escape detection. Most delayed recovery cases resort to the disability channel with the conscious or unconscious hope that their actions will relieve their discomfort.