Funeral cover claim that is taking almost a year to settle it

Claiming for a funeral cover, taking over a year. I never thought that a funeral cover claim can take a year. I understand that the life cover part of the benefit will take time but i do not understand why my late uncle's beneficiary had to bury him using debts while he has a funeral cover with yall. If there is an issue with the claim reject it and i will take it up with the ombuds, this waiting business is not healthy for my aunt. This is bad service to say the least, why did you pay off the other small policy and the funeral cover and life cover are not getting paid. This is wrong, worse cause my own workplace's life cover and funeral cover is also underwritten by Sanlam does it mean that my son will also hustle just as me to get that which is due to him when i am dead.