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It sounds like you are going through a very bad time. How long have you been taking the 50 mg Zoloft plus 3 mg Ativan?
You have likely hit the nail on the head! When starting Zoloft we generally begin at 50 mg and titrate upwards over several weeks until someone feels better. If you have been on just this baby dose for 5 years, I'm not at all surprised it isn't working completely for you. Your prescriber needs to increase the dose to a higher level so that it actually controls your symptoms.
When you have an anxiety and depression disorder, there is no reason to stop taking your medications unless you are having horrible side effects not related to your depression. Many people will take medication for the rest of their lives.