You can file for bankruptcy now. Make sure that your bankruptcy attorney or whoever is preparing your paperwork specifically uses the exemption for workers compensation disability benefits When completing your schedules for the bankruptcy petition. Unfortunately I have had a great many clients go bankrupt while in the Worker's Compensation system.
You can absolutely file for bankruptcy now. Most Workers' Compensation Attorneys have specific bankruptcy attorneys they work with. I would contact a W.C. attorney for a consultation and ask for a Bankruptcy referral from them. Unfortunately, there are several under trained Bankruptcy attorneys and you want to make sure you get to someone with experience handling W.C. cases.
If the bills are related to your work comp claim, you may not need to file bankruptcy at all if you pursue the work comp case. Many states protect workers compensation benefits when you file bankruptcy. Be sure you let your BKY lawyer know you have a workers compensation case, as he/she can advise on whether it is protected or not in your state.