Blaming client for their poor service ,when frankly they don't give a damn.

I have been struggling for the past 2 months to get disability claim.I was diagnosed with Fybro Myalgia.Have not received a salary for past 3 months,I am single and have to pay bond,vehicle finance etc.My employer submitted claim timeously.I was asked to obtain reports from Neurologist,Rheumatologist and Physciatrist at my own cost,costing R2000 per report.Sanlam insisted on me seeing their specialist.Twice appointment confirmed,twice i was told Sanlam did not follow protocol.The third time successful.I told specialist report is urgent.Sanlam then contacted me asking for proof that I attended doctor's office.I supp**** proof.After countles mails and complaints they never received report from their specialist,as they never paid for it,worst theyblamed the health professional,when clearly he was not at fault.I have lodged complaints with various industry regulators,including Sanlam to no avail.It is clear that Sanlam wants to delay payment for as long as possible,at the client expense.Sanlam do not care and they are playing with my lively hood.This is my worst experience ever dealing with Insurance provider.I am currently suffering from major depression and having suicidal thoughts,yet Sanlam do not care.