refuse to pay for bond claim disability nedgroup

good day ,i submitted a claim for my father due to a stroke and was in hospital for 2 weeks,in goverment hospital, from 19/08/2015 till 01/09/2015, i notified the bank on 19 via telephone call,they sent forms to be filled buy the doctor and my dad,i had to help my dad to fill it due to stroke he can not right,all proof of documents,was sent,i did not get any feed back from nedbank only sms ,after that no reply from nedbank,no calls,i called nedbank group life insurance bond ability,they told me claim is decline due to age of 65. <br> <br> firstly why is nedbank still charging for disability why the disability not cancelled at 65 ,we did not get any feed back in writing to say your disability cover is no longer valid,no letter confirming this from his last birthday,my father is still 65 ,<br> now nedgroup is refusing to pay,now that my father has a stroke,how must we pay bond instalments,<br> we never defaulted on our home bond,we paid R5600 every month for bond ,and R11444.10 per annum that s included in the bond installment .if disability ended why nedgroup life never drop the instalment notify us in writing that .we still payed full amount now they cant pay claim,this is very urgent matter