The reality for some of us is that we won't ever return to work.

You might need to apply for SSDI. With a combo of a decent WC rating and SS, hopefully your income would be livable. (Approval can be fast, or can take yeas.)

Did you submit an application for short term disability with the state of CA? You would likely not have collected yet if you're receiving TD benefits from WC, but they could come in handy at some point. I think you only have 12 months after you stop working to apply if you haven't yet...