Utterly disappointed in old mutual

When you take out life cover or disability cover it's done as you want to provide for ur family when you are no longer around. Disability cover is taken out not knowing that you may need it or not in the future u may go thru life not needing it but you still pay for it knowing it is there if ever needed. My husband took out a life cover and disability cover in 2010 not knowing today we would need it in September 2020 he had a spinal surgery where they had to put in a ***** cage he was put of work from then and from January he did not get a salary and still continues to go for physiotheraphy we app**** to old mutual greenlight policy for his disability claim up until now they are still reviewing his claim I'm disappointed as he went for major surgery has an artificial disc to his vertebrae and a ***** cage and old mutual replies that they still have to review his claim to see if he will be approved for the claim he also had to incur the physiotheraphist costs as I had to work overtime to help pay for the costs where as he has a policy with old mutual and and that payout cud have went to pay for his physio sessions wen notified old mutual about that their reply was he has to go to the state facility or incur the costs himself yes I do have medical Aid but the funds got exhausted especially in this pandemic I would prefer to go to the physiotheraphist that he is seeing rather than a state facility and leave that to the patients that really need attention like the covid patients why should I go to the state facility knowing that he can be at risk in this pandemic n knowing that he has a policy and the money can be paid from there. Utterly disappointed in these insurance companies.