I think you're absolutely right, and the sooner you get it worked out, the better. I lost my business of 19 years when I became ill, but I was afraid that if I gave up trying to work then I'd be giving in altogether. My wife had to get a full-time job, and that made me feel awful since she had only worked part-time before. It was a year or more before I would apply for disability insurance, because I have never taken a dollar from the government before, and I was ahamed to do it then. I was afraid people would think I was faking or something just to get the money.
You have to understand that this is hard on your family, too. But you have to take care of yourself, or things will only get worse for all of you. And don't be ashamed to ask for help when you need it. It took me years to realize that. I hope your feeling better, and wish you the very best!