Sadly the lack of informing me about LTD or any options was the "communication issue" I mentioned about my former workplace. In addition, they're no longer in business. I did have quite a bit of savings though and I'm making use of what public resources I can. Both the administration and my former advisor (only person I can think of that I knew personally) seem pretty unwilling to go out of their way for me. Not only are there technical issues with taking a class twice, but I think auditing is also pretty expensive, and I wouldn't get to take exams/do homework. Not to be overly negative on these two points, but it's what happened, and this kind of general (even basic) lack of support has been really tough for me.
The last one is a neat angle - maybe I'll expand my search to include things like that, thanks!