You do also have the option of disability via social security, at least the US does to help with what you need. It's paid based on what you made. If you cannot work due to this stuff happening, then you just can't. I didn't want to accept that I was a failure and couldn't work, but it was already obvious.
I do think you should be suing them, all of them, until they feel trauma in their wallets. You've got to sue for far more than their insurance covers, really hurt the company. Then maybe they'll pay better attention. Make sure your lawyer is very aggressive, because they will likely settle out of court for usually more than you get by going to court. Judges do that with bigger companies for some reason, reduce the amounts.