Query about claiming deferred pension when claiming UC/ESA/PIP

I had to finish my job through ill health but was refused an ill health pension as being too young (I was 40) and told I could not access it until retirement age so I had to raise my children as a single parent living on benefits which I have hated. I am 60 and have not been able to work since due to disabilities. It is only recently now my children have grown up and left home that I have relooked at all my finances only to see that advice was absolutely wrong and I could have had access to the pension from the age of 55. My current income is ESA, PIP and universal credit of £400 a month and totals approx £1000 a month. I am still paying my mortgage.
My deferred pension as of today is showing as minimum lump sum £38k and yearly pension £12,700K or max lump sum of £68k and pension £10,200k which is the option i would need in order to pay off my mortgage with a little left over for house repairs or put into an ISA .
I understand that I would still be entitled to ESA and PIP until state pension age. Obviously taking either option would cancel my UC and the associated reductions such as council tax. But my figures show that I am better off claiming my pension now and coming off UC (which I will be thrilled to do)
Is there anything that I have missed that anyone could offer advice on please. Thanks for reading