Retrenchment Cover Claim

I took out life insurance with liberty and also took out retrenchment cover. When i took out the cover i did everything they required me to do including medicals. 2019 August I got retrenched and claimed, they paid out 3 month and on the forth month they started requesting a PMA from my doctor because i was claiming even though my claim had nothing to do with my health. i had a very sad christmas because they blocked my December payment because of the PMA that my doctor had not filled and send to them. The December payment was made late. January i have the same problem my doctor has not filled in the PMA and i have not received my January payment but they are happy to debit their premium every month even though they have not paid me. i completely understand that the PMA has to be filled but what i am claiming for has nothing to do with my health. In their terms and conditions it states that they want a bank statement or proof from the labour department which i have provided. I am beginning to think my family will not be paid should I pass away !!!!