If the friction surface is gone and its running metal on metal then it is likely shedding metal into oil and scoring bearings. No telling how long it will last under those circumstances.
There are clutch and friction rebuild kits or a 3rd member already built available.
Whether or not it needs bearings will take inspection. If your lucky it just cooked the frictions and has not started shedding pieces yet. Replacing the cluthch pack should alleviate the problem.