Generally, all timeshares are very strict about following the rules concerning expiration of points. The reason is, if they allowed usage of points past the points' normal expiration date, they might create a situation where they had promised their members more rooms than they actually had available.
I agree with the other posters here that you should rent out your points. You should be able to get at least $2000 for 200
DVC points, which could then be used to rent points for your future vacation, or could be used to do a less expensive vacation this summer (in a Disney hotel or offsite), which might be helpful if being out of work hurt your finances. If you want to get more than $2000 for your points, you could probably get at least $2800 for 200 points by renting them out via Redweek or eBay. However, this requires a lot more effort, and also involves more risk.
If you consider renting too much of a hassle, you could also use your points for an II deposit. This might work well if you were planning a vacation in the next two years or so to a place that didn't have a DVC resort. Generally, trading points through II is not very cost effective (there are cheaper ways to get II trades), but it certainly beats losing your points.
It may also be possible to work out a trade with another DVC member -- you transfer points into their current use year, and in exchange, they transfer points into your next use year. Or, you get them a reservation this year with your points, they get you a reservation next year with their points. You would want to post on the Rent/Trade board about this.