The bad news is you need surgery. The good news is that you can do "prehab" which will make your post surgery recovery easier and better.
A recent OSHA report "adding Inequality to Injury: The Costs of Failing to Protect Workers on the Job," notes a high percentage of work place injury costs are shouldered by the injured worker and their family and tax payer programs like social security disability.
How do Vermont workers' compensation benefits stack up to other states?
If you are hurt in a car accident, your medical bills may be covered by your car insurance -- even if you are at fault for that car accident. Most Vermont car insurance policies have Medical Payment ("Med Pay") coverage.