If your payments (to pay off your debts) leave the bank on the same day as you receive your Lump, you’ll be fine.
If I recall correctly, my Lump sum was paid with my first ‘pension’ payout. If they have given you the pension payment date already: 16th/ 30th whatever. You can plan and get everything ready beforehand.
Keep documentation. Just to cover yourself.
Try not to get stressed. The main thing is that your ‘savings’ don’t go over 6K. Your ‘day to day’ stuff shouldn’t really count.
