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Occupational Sick Pay

Hi,

I have been signed off work for 10 weeks now with mental health issues. For Occupational Sick Pay, my employer offers:

Up to 1 year employment: 4 weeks full pay, then 4 weeks at 50% pay.
1 year employment: 13 weeks full pay then 13 weeks at 50% pay.

The 1st of June was my one year anniversary, so I am only entitled to the first option. I imagine soon I will go onto SSP.
The problem is, it just isn't enough. I am in no fit state to return to work, yet will have to do so to avoid having an income of only £350 per month.

Does anyone have similar experience or advice on what to do?

Thanks,
K.
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