HAPPY TO TAKE YOUR MONEY, NOT HAPPY TO HELP,

I took out an income continuation benefit with discovery afew years ago, which is designed to pay out in the event of disability, temporary or permanent. I unfortunately had a motorcycle accident, which left me unable to work, due to severe injuries. now comes time for discovery to pay out as stipulated in the policy, 3 months later, no pay out, sent from pillar to post, endless investigations on policy, looking for any loophole to avoid pay out. extremely dissapointed.