Wisconsin workers are covered by the workers' compensation laws in the state from the first day of employment, in most cases. If your employer has three or more full-time or part-time employees, you should be covered. The same is true if your employer has a payroll of $500 or more in any quarter of a calendar year.
One of the main reasons that people don't want to file for bankruptcy in Wisconsin is that they're afraid of what the filing is going to do to their credit. After all, it's going to stay on their record for a decade, and it can make it much harder to get credit cards and other lines of credit going forward. They still want a high credit score, and they think that bankruptcy will make it impossible.