If your husband's private pension rules you out of claiming Universal credit, then contributions based JSA is your only option. Have they given you any option to make up the missing NI contributions ? It may not be worth it anyway as JSA is only paid for 28 weeks, unlike ESA which can continue for longer. Unfortunately if JSA is not an option, your husband will need to support you. PIP looks at things like whether you can wash and dress yourself, manage medications, communicate, mobilise. If your condition affects these things then you could consider a claim for PIP, although as others have said it's hard to qualify.