ElaineRI55
A key question is do you still love and care about each other? I'm no expert, but it does sound as though your husband may be on the autistic spectrum ( extreme fixation on bikes and needing routine etc). You have also said you suffer from anxiety and panic attacks. Maybe while you both worked, a lot of issues were masked by work requirements/routine. It may be worth considering whether this is an opportunity to help each other and both be happier in the process. First step may be to find a calm moment when you're both quite relaxed and gently suggest you need to look at your routine to ensure you're both happy in retirement and as you get older. If he doesn't see that he has any issues, you might have to sell it as you need things to change as you're not as happy as you know you could/should be. I think it will need either a professional counselor or a specific structured approach maybe based on suggestions in a book or internet guide/course. If he won't do that, you might still be able to find strategies to help you approach things differently either by seeing a counselor on your own or reading up on some ways to identify whether he is on the autistic spectrum and how best to communicate if that seems to be the case. It would be a shame for either or both of you to be unhappy or harbour resentment in your retirement years. I hope you find a way to improve things.
This is the best answer on here, in my opinion.
I also think you need to see a councillor to find the root for both of you.
Think, OP, if in a quiet and calm moment you asked your husband "do you want to spend time with me" what do you, in your heart, think the answer would be. If he were to react in surprise then I think it's as others here have suggested, he's simply not factoring you or your feelings into his actions.
However - there's a lot of indications in your posts, OP, that make me think he's quite happy getting on and not including you.
Could you say "I'm very unhappy about being left out of your life" and then suggest a councillor. Once he starts to think about you, and your needs (which would include thinking about the day-to-day stuff like bins) I believe you'd see an improvement. But this can't be through rows or sulky silences or storming out. And I think that is where a councillor could help. Your GP might be able to help with recommendations.