If you do lose your job would it not be on health grounds, if this is the case do you not get your pension and lump sum as a result.
I was given early retirement on health grounds when I was 40 and received both a pension and lump sum. How many years service do you have?
Your housing costs seem really, really high to me - I think that £160 per month was the highest mortgage repayment that I had to pay.