Workers Comp and private insurance

[sahuaro]

You are very fortunate to have insurance that covers discograms and ADRs!

I don't have any knowledge of the issues around WC vs private insurance but I do have a bit of info which may or may not be relevant: there is something called subrogation in which a private insurance company can recoup payments from a third party. If this is relevant, you might want to consult with a lawyer before making any decisions.