Playing with peoples lives

So my employer took out disability cover as a group scheme with a broker. According to Hollard it pays monthly thus every 30 days. I was put on temp disability as requested and motivated by my psychiatrist for major depressive disorder. I did request a signed copy of the policy to understand the terms and conditions. The date of disability was confirmed by Hollard as the 10th of July 2026. There was a waiting period of a month which i understand. So the period they calculated for payment was from 10th of august to the 31st of August. This was paid out to my employer on the 31st. Today i got an email frrom the broker that i will only receive my second payment on the 20th of october!!!! So hollard is telling me i have to wait 50 DAYS YES 50 DAYS for my next payment. I have no husband or family members that can help me and i have to look after my mother aswell. Because of i did not get the full 75% and had to let the medical aid know i will make the payment at the end of september. So currently i cannot access my medical care. I cant go see the psychologist,psychiatrist or get my medication. I tried 3 clinics and was told they dont have the medication. You use so much airtime because your call gets redirected and you hold for 6-7 min without anyone answering. E-mails get answered only after 24 hours and i am told call the broker or the HR. They are of no help. So my question to hollard is: i am completely depended on you, so if someone is struggling mentally, feeling hopeless, depressed and a suicide risk do you want to push them so far over the edge that you dont have to pay out