Anxiety & Depression Agoraphobia

I have  a severe disability since the age of 21, I now developed a mental health probs Anxiety & depression panic attacks on a daily basis , even in my house, worse when I go outside. Agoraphobic now. My GP put me on to The Addiction Recovery Team (Social Work) I have been assessed by an OT n telling her about my anxiety issues n all I get from her is Your not Suffering from Agoraphobia and panic attacks your just overthinking things. I kept my cool but how does she know whats going on in my head. I asked for personal care as I'm having difficulty dressing myself and was told no as I was told I would lose my independence. I also asked for a support worker to help me with shopping etc. to be told I'd have to pay for it. I'm @ my whits end I can't go on like this anymore I need help in my recovery but all I'm getting is hitting a brick wall. Does my Mental health cost to much to get  the help I so badly need