<human>: Hello reddit,

I'm a long time lurker for this sub and I need to ask advice on a situation my mother is in. 

She's been working in a hospital for almost 20-25 years and the original owners are now selling the hospitals they own.  The only problem is that the general attorney needs to approve the sale to the new buyers by February or else all the hospitals close and with that everyone's pension is lost.  My mom's pension is only about 60% hers and there's a penalty of either 10%-20% for her to withdraw all of it early.  I'm leaning for her to withdraw everything and take the hit just in case the sale doesn't go through. I'm not at all knowledgeable on these things and it's putting a lot of strain on my mom to figure out what to do.

Can you summarize the given text in a few sentences?
<bot>: hospital my mom works at may close.  Should she take the hit on the penalty for withdrawing early or should she risk it for the sale to go through and her not losing anything?