Hi....
I have never been pregnant with twins, so I can't relate there, but I do know that pregnancy can do some very odd things to us emotionally...
I had a friend who, when she found out she was having twins, burst into tears....not happy tears. Of course it's difficult, but she can't imagine her life without them.

And an advantage that you have is that you don't have the experience of having just one. You won't find things to be TWICE as hard because you won't know any different. Small comfort, I'm sure...

Perhaps you could actually print out what you have described and send it to your therapist ahead of time (or take it with you). That way, you won't have to sit through any sales pitch. He will know what you're aware of and can come up with a plan of attack with you. I think that's what you need. Someone to guide you and reassure you that it will be okay.
And if it's not okay, then they will take care of it.....

Hang in there and if this therapist isn't a good fit, then see another one until you're comfortable.

As far as money goes, then do what you have to do. File for disability. You have paid for it and so you are entitled to it.

Just breathe and stay on that couch for a couple of more days. This experience does not automatically mean a repeat of the last one.