A bit confused, redundancy, pension, insurance etc

Abbey1

Hi
So I wondered if anyone can help.

I have been made redundant, currently on garden leave. I have a generous package of £67,500 if I don't take my pension immediately. If I do then I get a reduced lump sum of £49,000 and a lump sum pension of £45k and a monthly pension of approx £700. I have redundancy insurance which will pay out approx £1k per month for 12 months. To get this I will need to sign on and apply for JSA. I presuming that I would be better off to defer my pension until next year and that way I will get the full £67,500 redundancy lump sum and the JSA will pay out for six months. I have looked at some previous advice on here and have seen the P50 which gives you the tax back if you do not intend to work and have not claimed the allowance.....
My question is this, might I be better off to take the lump sum, forget the insurance (and all of the hoops that I have to jump through for that) and just get my tax back as I don't intend to work anyway for at least 12 months if not longer. (I am 57 btw).
A lot of numbers floating around in my head and no-one to ask.
Thanks in advance if anyone can help.