Short term disability really saved me a few times when I was working. I wouldn't have made it as long as I did without it. STD + IOP would probably be really beneficial. And it gives you time to think about what your next step is. Once I used the time to find a job that had less of a commute; later I used STD to be sure I was too unwell to return. Once I used the time to address some hard stuff in therapy while getting a bunch of med changes and recovering from lithium toxicity. And once I used it to get past a bad drug reaction (double vision from Abilify; I couldn't see to drive).

I hope something works out for you.