colonial life & accident insurance company collects premiums but doesn't pay claim columbia, South Carolina

I have been with this company for over five years. Last December I became disabled and went through hell to get the benefits for the 6 month period. The benefits ended last July 2010. This past September I fell and hurt mysef pretty bad. Under Colonial I have both accident & disability coverage. I was out of work for 45 days & filed a claim with Colonial, paying premiums for the coverage. Today they tell me that because I am still out of work for my disability I am not covered, as they put the accident injury under my COPD disability they covered me for from 12/09 to 7/10! This is an accident claim, my claim for COPD disability ended 7/10! Under my accident policy I am covered for disability from the date of injury, yet they tell me that they are placing it under my old disability claim which was a medical, not accident claim! Clearly they are looking at how to not pay this. How can they put this under a claim they closed out back in July? They claim I would have to return to work, pay the premium for 6 months before a new claim could be entered! Are they nuts? I'm fighting this one all the way, any suggestions?