hello, i have been off work with a torn tendon in my little finger. workmans comp will pay me total temp. disability payments beginning soon when my short term disability runs out at work. now work says i should apply for long term disability payments which will cancel any workmans comp. i understand workmans comp. payments would be tax free and long term disability through work would not be. are there any downsides to taking the work offered long term disability payments over the workmans comp. payments?