Working distance is measured from the front element to the focal plane, and the coverslip lives inside that gap. A 100x / 1.4 NA oil objective with a 0.13 mm working distance, used with a standard 0.17 mm coverslip, does not have 0.13 mm of room above your sample. It has none: the coverslip alone is thicker than the entire working distance, and such an objective is designed to focus at or just beyond the coverslip's inner surface.
This is the single most common surprise in objective selection. The specification sounds like clearance and is not. What it actually tells you is how far into your specimen you can reach, measured from the far side of the glass — and for the highest-NA oil objectives, that answer is a few micrometers to a few tens of micrometers. Anything deeper is out of reach at any price.