Admitting the ansatz
$$ψ=e^{i(kx-ω t)} \tag{1}$$ then $$k^2=-ψ^{-1} \frac {∂^2ψ}{∂x^2} \tag{2}$$ and
$$ω=iψ^{-1} \frac {∂ψ}{∂t} \tag{3}$$
If one admits that the total energy ($E$) is related to momentum ($p$) as $E=\frac{p^2}{2m}+U$, admiting also the De Broglie relations $E=ħω$; $p=ħk$ it follows that
$$\frac {-ħ^2}{2m} \frac {∂^2ψ}{∂x^2}+Uψ= iħ \frac {∂ψ}{∂t} \tag{4}$$
This is Schrödinger's equation. This equation is said to be non relativistic because of its use of $E= \frac{p^2}{2m}+U$ (rigorously speaking though, it is non relativistic because it is not Lorentz invariant).
However, starting from the relativistic total energy equation
$$E=\frac{1}{ \sqrt{1- \frac{v^2}{c^2}}}mc^2=T+mc^2 \tag{5}$$
Where, $T$ is the kinetic energy and $mc^2$ the particle’s self energy. Now, using the expansion of $\frac{1}{ \sqrt{1- \frac{v^2}{c^2}}}mc^2$
$$E=mc^2 + \frac{mv^2}{2} + \frac{3mv^4}{8c^2} + \frac{5mv^6}{16c^4}+...$$
and ignoring members dividing by $c$ (because we are considering $v\ll c$). It becomes
$$E=\frac{1}{2} mv^2+mc^2=T+mc^2 = \frac{p^2}{2m}+mc^2 \tag{6}$$
or
$$\frac{p^2}{2m}+mc^2=ħω=\frac{ħ^2k^2}{2m}+mc^2 \tag{7}$$
So, $mc^2$ do not vanishes even under classical approximation.
Admitting that Planck's and De Broglie's equations holds in every situation and that $E$ in Planck equation is the total energy, substituting equation (2) and (3) into (7) the Schrödinger equation “would” have the form
$$\frac {-ħ^2}{2m} \frac {∂^2ψ}{∂x^2}+mc^2 ψ = iħ \frac {∂ψ}{∂t} \tag{9}$$
Now we could postulate this equation, making the steps of getting it less fundamental then the end result.
I tried to consider that $T \ll mc^2$ in Schrödinger equation, but I realize that an electron in hydrogen atom moving with half the speed of light (using classical equations as we are analyzing Schrödinger’s equation) it would have less than $\rm 100keV$ ($\rm ≈64keV$ if my math is not wrong) of kinetic energy, but $\rm 511keV$ of self energy.
So, my question is: why Schrödinger equation do not have an $mc^2$ term, if $ħω$ is supposed to be the total energy and not just the kinetic energy.