Non payment of funeral claims

I processed a funeral claim 2weeks ago inside trade route standard bank branch. I was told that because I use capitec Bank it will take 48hrs to receive the money. It's been 2weeks nothing is happening, I owe people money that was used for the funeral and nothing is coming forth. I went to the branch ad was told that there is a backlog, but honestly how are people supposed to burry their dead if only they take funeral cover which is not paid on time for the funeral?