Thanks for your question
Unless any insurance you hold allows you access to your pension, or the terms under ill health (if there are any) then anything you take from your pension pot before the eligible time will see full taxation on a down draw and I am afraid there are no schemes to assist you.
If you are 55 then 25% of the pot can be taken tax free and any additional amounts liable to tax, and this applies whether you take it as a lump sum or a monthly payment ,the only difference is you will see more of the pension in your possession over time if you take the pension advisers advsie and take it as monthly payment.
Are you not eligible for Disability Living Allowance (soon to be called and fall as PIP) this is NOT means tested and not liable to tax.
Link here for further information regarding this https://www.gov.uk/dla-disability-living-allowance-benefit/overview - this could be worth making a claim if you need assistance with your care, or limitations
Do let know if I can assist further