andi,
Have you tried contacting your State Unemployment Insurance people? They might have some suggestions for you.
Regarding sleep, PCS can be a big drain on sleep. I woke up this morning at about 8:00 AM feeling lousy. I had a big project I was working on in the garage but could not get my brain going. I had something to drink and sat down in my recliner and slept to 2:00 PM.
I tried using caffeine ( in Excedrin) to wake up and be alert. When I told my doc, he flipped.
What was the expensive drug that was prescribed? I know that my meds would cost me about $400 per month if I did not have insurance coverage. When they were not available in a generic form, they were more like $800 per month. The insurance premium was less than the medication savings.
Are you doing an nutritional supplementation? Like B-6, B-12, D-3, folic acid, Omega 3's, a broad range of anti-oxidants, etc? They can be a big help to a healing brain.
The high functioning issue is common in rehab facilities. They are more geared toward the patient who was comatose and non-ambulatory. The threshold of function is often very low. Post Concussion is usually far above any rehab levels.
You seriously need to reach out to find an advocate/assistance. Check out the offering at this link.
http://www.tennesseeanytime.org/findhelptn/ You have to answer a bunch of questions and the system will list the programs you qualify for.
The neuro-psych assessment will be a good baseline for any applications for assistance/unemployment/disability.
Does you state have an Office of Insurance that can help you with Disability Insurance issues?
Here is another link.
http://www.tn.gov/comaging/
Also,
http://www.state.tn.us/humanserv/rehab/rehab_main.html
As humbling as it sounds, for the current time, you are disabled. Utilize the systems in place to help prevent you from falling through the cracks.
I hope this helps.
My best to you.