I'm Australian so there is likely a difference in the USA, but don't you have Worker's Compensation?
If someone is injured at work, the employer has to continue paying salary and all medical costs. Once the person is recovered the employer is obligated to provide ongoing work, with adjustments as necessary for the person's injury with a detailed Return to Work Plan arranged with their doctor and insurance case worker.
If the worker is unable to return to work, they get a very substantial payout.
I'm shocked. I thought this was standard everywhere.
I've heard bad things about your healthcare system, but this is injury while at work.