I would say take the lump sum. You and only you will be in control of your money and you can invest and spend the way you want to. The annuity ties up your money forever. I'm sure you can handle this on your own, or use Vanguard, that's who I use. Cheers.:)
They have to offer a VER or VSIP first and you get the money monthly, you have to wait till your MRA, 56 for you, until the SS supplement kicks in. PS: you have to meet the age and year requirements to leave early.