Services is bad

I was employed by nedbank last year August. I started to have earache which stopped me from performing my duties as a call center agent. I was then referred to occupational the****** who ask me questions and didn't do any checks in my ear. My company app**** for income plan which was declined by oldmutual and this year may i was dismissed due to ill health incapacity. I then did the appeal with oldmutual which they referred me to an audiologist and the report from audiologist came back with the results saying that i have permanent hearing loss and will need hearing aids to help me. Yet oldmutual declined the appeal how can you decline when i have a disability cover. It is so sad that these insurances they take our money for their benefits, they don't want to pay or come with a solution. So i will have to take the matter further. I also have life cover my concern is that will my family will get the money when i die or it will be the same story. Im happy with the services from mimi sayman but not happy with the company and the people who review the claim.