OP your situation is very similar to mine so I get it. My DS was a similar profile to yours when he was six (ASD, incontinent, special school). I also don’t work due to PTSD and OCD. We were paying a similar amount in rent, were constantly living on our credit cards and my husband was the main earner. It’s not as simple as just get a job, work school hours as I also couldn’t drive.
There is no wrap around care at most special schools and many holiday clubs are reluctant to take children with such high needs and if you can get it then it’s very expensive. Then you are further restricted by the council transport issue. My son only attended school part time due to coronavirus and I’m exhausted.
For all those saying just get therapy - it is really not that easy. OP is clearly not in a position to pay for it. The waiting list and criteria within the nhs are very difficult. I’ve been waiting two years for my latest round of therapy and my nhs trust only offers a maximum of 12 sessions and my problems are so complex that I only make tiny amounts of progress. This means I have to take antipsychotics to avoid hospitalisation and the side effects stop any chance of working.
Mu husband moved us across the country repeatedly to move up the career ladder but since DS started school, we’ve stayed in one place as it would be too unsettling for him and securing a school place is tricky too especially on a special school. This has meant that DH in order to get a pay rise would need to move out of his niche area and have a lengthy commute. He doesn’t want this stress and enjoys being home fir the kids and can be flexible and so attend school plays and all EHCP meetings. I support him in this because this is where our situations differ:
I claim PIP and another out of work benefit. I claim on behalf of DS DLA which even on an income similar to yours means we qualify for a small amount of tax credits. This is a boost to our income and it feels like I have a say in how our money is spent as sometimes I feel huge guilt about financial responsibility being placed on DH (although when I worked I was the breadwinner). I used my PIP to learn how to drive which has been life changing for my independence. Before that, as a disabled person with a disabled child I was able to access the Ring and Ride service so could get to some places.
If you don’t think you can work then you need to change what you can. Call up and apply for DLA for your son tomorrow as it will be backdated from when you requested the form. Start getting evidence together - paediatrics, SLT, school, ed psych. Do the same for yourself - phone up and make a claim for PIP - the more evidence the better. When DS gets DLA, apply for Carer’s Allowance and tax credits. These are things you can change as you can’t alter your DH’s mindset. Plus once you have an income if your own, you can decide whether you are willing to stay with someone who is reluctant to parent his own child (I have three and my DH is always happy for me to take on the heavier load).
Lots of people have been harsh on this thread because they think that it’s double standards but there’s no way my husband would compare his stress at work to my debilitating and life threatening condition. There’s a difference between being stressed at work and serious mental health issues.