Retirement or Disability?

Diagnosed with Stage IV Ovarian Cancer in 2/01 - 6 chemo treats to reduce - 2nd surgery and all removed proved negative - no additional chemo - just check ups and CA125s monthly.

Am 55 and am back at work, but can't keep up with stressful job, homelife, etc. Lots of back trouble too - although they say it is not Cancer related. In order to keep health coverage, I feel I must take early retirement (we receive no pension - only 401K), but will have to pay health insurance at 80% (a hunk). Am currently on SS disability and can't make any money in order to stay qualified for that. If prayers are answered though and I stay well - I could lose that so this is why I am concerned about retiring rather than going out on disability. Does anyone have similar concerns? Or answers?