I stopped working in 2019 after a really bad bout of schizophrenia. I'm on an insurance pay out but I'm half way thru that now. 
I asked my psychiatrist last meeting if I'd be able to return to the work force and he said not immediately. That I need to go thru certain phases first. 

I find it kindof scary to think I mightnt be able to work long term. And live off a tiny illness allowance and not be able to afford holidays or nice things. 

Anyone else have any advice?