Hi handtight,
If you were made redundant and the pension of €1mio you refer to is from an Occupational Pension scheme relating to the same employment you were made redundant from, you may well be able to access the retirement benefits from age 50. This would involve receiving any tax free cash ( unless you waived your right to that as part of your redundancy) and you can then start drawing retirement income from an ARF/Annuity. You can also have the option of deferring taking the ARf income till age 60 - if that suited your needs.
Pension regulations unfortunately are unnecessarily complicated, but for a fund of that size, not paying for expert advice is I believe a false economy. A good adviser will be able to either simplify the complexity or perhaps even use that complexity to your advantage. If as you say this is becoming a serious worry, I wouldn't delay in getting proper advice. I would also suggest that you pay for the advice on a fee basis, where you have full clarity on the costs upfront and no conflict of agenda.
All the best Vincent