These are all good questions for a free consultation that I hope you will seek in your town for social security (if UK has such a thing), work comp, disability rights and responsibilities, and ins. co. issues.

I don't think anyone here, includine myself, has the credentials and current experience and knowledge of UK circumstances to answer these. But I bumped up some general posts that may help you in your path. And it is a path - take it one day at a time, maybe make a plan, be open to changing it, and come back here any time...