Unpaid Disability Benefits

I’m very disappointed in how Sanlam is handling my claim. I was currently out on permanent disability by Old Mutual and the lump sum was paid to Sanlam as the are the Company funder. Instead of Sanlam paying me the money they decided to put the whole lump sums to retirement fund that I can only access when I’m 60 which is 21 years from now. I tried calling them several times instead but there couldn’t answer me. My issue is how an I suppose to pay for my treatment, doctors appointments and even take care of myself and kids if they are preserving 80% of the money? Wasn’t that money suppose to help me with my medical bills and expenses? As we speak I don’t have money for medication or food. How am I supposed to get treatment? Instead of them paying the lump sum for permanent disability, they decided to preserve the lump sum and pay me my provident fund Wich is way smaller than the lump sum. How does Sanlam work? I’m emotionally exhausted and I don’t see myself that I will make it to the next year due to the services I’m receiving from Sanlam. They made my living condition worse than before. I’m now suffering from depression because of Sanlam. I guess they don’t care about the stress they have caused me. I even have proof that the money was for permanent disability