Want to retire but can't afford to

[Classof76]

Sorry for long post....
I find myself in a situation which is making me feel miserable probably depressed too.
I work for a local authority in a clerical role, I have lost all interest and passion for the role or come to that working full stop, I feel I have had enough.
I am 61 and have worked continually for 45 years except for 6 months mat leave. I am currently full time working a 14 day fortnight on 22K. I worked for private companies who did not always have pension schemes. My current pension is poor as even though I have worked there 20 years the majority of this was part time, due to childcare.
Right now, I cannot afford to work part time as I need the money and this would also affect my pension which is not enough to live on, best case scenario is 6K plus 4K lump sum if I go at Christmas. I also have a private pension pot of 40K.
I did not anticipate my pension being my only income as I had inherited my parent’s house and that was to be my income, however after getting divorced I now live there and I was shafted by my ex-husband for want of a better word, I didn’t even (stupidly) opt for a pension sharing scheme, he also took half my inherited property capital.
I have remarried, my DH works FT and is the same age, he only has the state pension at 67 and a private pension of 30K.
I feel so trapped as I also have an auto immune condition so I cannot do anything physical as I tire out and so working in this role is good for that but not for my MH. I really hate it as all my friends have been able to retire and I don’t have anything in common with the younger graduates I work with.
I applied for redundancy a year ago, and they refused, (said it was down to money but it wasn’t that, just they wanted my skills) I was hoping this would come around again but nothing is planned for the future.
I am considering part time topping up with my private pot to see me through anyone have any other ideas?

What about people who don't have a full new state pension and have no other income / savings? They're still eligible for PC?

Yes they are. Pension credit has not been abolished. If you reached state pension age today and did not have enough Ni contributions for full pension, you can claim pension credit.

That's what I thought too, thanks.

I’ve never worked more than 12 hours a week due to disability. I’ve come to the conclusion that my only pension option is euthanasia, if the government haven’t already resorted to that by then! Certainly won’t be able to afford to live

I doubt it. If you don't qualify for state pension then you will get pension credit instead plus if you get a disability benefit then that will likely continue and if living alone would give you a severe disability premium which will increase the pension credit amount significantly. Most disabled pensioners I come across in my job have more than enough to live on. If you have rent to pay that is also fully covered by housing benefit and no council tax to pay if you get pension creidt.

@Babyroobs Pension credit only exists for those without enough national insurance credits. Older pensioners get less state pension, but it was fairly recently increased so that the level of state pension would mean no one is entitled to pension credit.

Yes, & that's quite different from saying it is 'abolished'. It will still be available for anyone who, for whatever reason, has an income in retirement lower than new state pension.

Not true because if people have disabilities or are carers they will get premiums on pension credit so even with full state pension can be eligible for pension credit.

I thought they just got attendance allowance or carers allowance?