So Disappointing

We had an accident that left my husband unable to work for just under 3 months . I decided to use our temporary disability benefit to assist with the lack of finances into the home. I contacted them and received the 100 documents that was needed on the 18/10/2024 one massive report to be done by the Doctor one Massive report by the company and one from us. I sent all the documents back on the 28/10/2024 with the promise that the approval takes 10 working days. I eventually received feedback today after numerous rude emails etc. Apparently to claim from a insurance you pay for you are on your own to pay your bond etc, if you are not booked off for longer than 3 months. But no one cares to disclose this when you actually take the policy, So i ask the lady to put me through to their cancellation department because if this is the service you get when you alive i don't want to see how my family will suffer to receive my death benefit. Needless to say i was on hold for 20 min i eventually put the phone down.