Disability cover not paying my debt!!!!

Being a customer of std bank for so many years i must admit that i'm disgusted in the way they are treating me like a ********.My documents was sent through for disability claim on 20 Jan 2015 already and almost 3 months later now they want to ask me for my outstanding balance on my overdraft account that i'm liable for.I've paid for more than x10 years my policy premium for min R80 p/m which is in total R9600 over 10 years that i've paid for a policy that is now refusing to pay.Std bank is claiming that i'm overdue on my overdraft and need to pay R9700,I refuse to pay this as all the required documents was sent to std bank.i'm unemployed, disabled and unable to work to earn an income and you can surely see this on my bank account that there is no money that is going in to the account,how am i suppose to pay you with no income and also why is this policy not covering my outstanding bal??