Due to the employment rug being pulled from under me,

it looks doubtful that I am going to be able to complete enough hours this year before my SEP and Class 2 expires in November.I currently have 5 hours this year.
Still wishing to remain available for flight,can I switch to an NPPL (get a medical delaration from my GP).Can I carry any hours across and will the nppl become effective immediately for the normal duration?
I have used the search but cannot quite find the answer ( I know I can call Turweston but interesting to hear similar personal situations)
Any info gratefully received.
MM