First of all, the dosage of Seroquel XR has not been given a fair trial for depression, it should at least get to a target dosage of 150mg. What is your dosage of Effexor XR, is it maximized? As far as cost, the makers of Seroquel XR have a patient assistance program which is quite generous in regards XXXXX XXXXX much you are able to make and be eligible to receive it. You complete your part, the clinician does their part and it is sent in for processing. If approved, the drug comes free in your name to your clinicians office.
As far as the disability question, a clinician would have to have much more info to make a recommendation for that and I suggest you talk to your psychiatric practitioner about this.
The website for this program is pparx.org
Click on participating patient assistance programs in top middle then patient assistance programs on left hand side of screen then type in Seroquel XR and it will bring up Astra Zeneca PAP for people without insurance, click on that and it will tell you about the eligibility criteria and then click on application for printable application to take to your practitioner.
Hope I have been of help. Please accept my answer if so. Wish you the best, sir.