I’ve had severe chronic depression, anxiety and suicidal ideation since I was 12. I’ve been on antidepressants (which keep the very worst of it at bay but will never ‘cure’ it) for 30 years. And I’ve recently been diagnosed with autism and PTSD.
I’ve often felt unable to work due to my mental health; certainly I struggle to socialise most of the time because of it. I’ve definitely had weeks where I’ve not been functioning: where I’ve struggled to get out of bed and have felt that I really needed help.
I’ve had two breakdowns - one in my early 20s where I was diagnosed with severe depression and anxiety, and one in my 40s that led me to be diagnosed with PTSD. Both times I could only afford to take a few days off.
I’m now a freelancer so don’t get sick pay, but when I was working in a permanent role, I had so much time off with my mental health that I stopped receiving sick pay from my employer anyway. So I had to keep working, or I would have lost my home. I lived in London at the time and benefits wouldn’t have covered my bills and rent (I did look into it).
So in that sense, I do sort of disagree with your title. I guess if I’d been even more unwell than I was, I wouldn’t have been thinking of my home or my bills - but as it was, I thought “if I come out the other side if this, I’ll need somewhere to live”. The thought of putting my stuff into storage and what would happen if I gave up work (the admin and the cost of renting with bad references - that sort of thing) - was just beyond me. It was easier to just carry on. If I’d been wealthy, I’d have taken the time off I needed and not worried about anything other than my health.
I have a friend who has similar mental health problems to me. She lives in a flat that her dad has given to her, so doesn’t need to pay rent. She’s now stopped work altogether (in her 40s) because she’s not well enough to work - and I admit, I’m jealous that this is an option for her. She’s always saying to me that I need to take a break and I just say I can’t afford to.
I realise that at some point my mental health might get so bad that I’m forced into a complete break from work, but at the moment the fear of losing my home and belongings and also the administrative nightmare of getting back on my feet is what keeps me going.