Depression remains one of the leading causes of disability in the U.S. and frequently forces individuals to take an early retirement. However, a new study from a team of Australian researchers has found that seeking therapy for the problem from drug rehab and mental health facilities may make more financial sense.

Researchers from the Sydney School of Public Health found that individuals who retire early due to depression have between 78 and 93 percent less accumulated wealth than those who continue working until a typical retirement age.

The team surveyed more than 8,000 individuals between the ages of 45 and 64. The questions asked about the participants' financial situation and mental health. Those who took early retirement had far less savings, property and financial investments.

The researchers said that this resulted in a dramatic reduction in quality of life for these individuals. They also suggested that fewer financial assets may result in mental distress, which could be an underlying cause of depression in the first place.

Regardless, seeking therapy for depression may help individuals avoid the financial setbacks associated with taking an early retirement.