Aflac Aflac has ignored or lost all my proof to my claim and refuses to pay me for 6 mo of disability W. Melbourne, FL Nationwide

Long story short:  I had Aflac disability insurances for years.

In March of 2011 I woke up one morning crippled due to a pinched nerve from a fractured vertebrae in my back.  This was caused by a degenerative disc disease. However neither me nor my Doctors knew the cause at that time. I lost my job due to my disability. 

I am poor, no medical ins. but I am a veteran so I go to the VA clinic.  The pinched nerve was VERY complicated.  I had to see about 7 different Dr.s. 

The VA Dr.s are FORBIDDEN from signing any insurance forms.  Also every Dr. thought the other Dr or Doctors should be the one to sign the form. Because it was so complicated I only saw each Dr. once or twice at the VA clinic.  I also went to two different chiropractors and paid them during this time period that I was covered by my policy.

I met my policy's defination of "totally disabled" to a T!  I sent all the prooubsequently f to Aflac several times.  I don't think they ever looked through all the documents that I send to them and subsequently lost them. 

I send all the medical notes,  diagnoses, test results, MRI results, Physical Therapy notes, proof of payments to the Chiropractors, etc. to Aflac they still would not pay me.  

I even managed to get promply approved for Social Security Disability the FIRST time I applied!    

Still I can not get Aflac to pay me for 6 months of disability before I could no longer afford to pay them and the policy was cancelled!

I have paid this insurance company for years and when I became disabled they refuse to pay me and I lost my condo and almost everything in it.  My credit is ruined for the rest of my life and now I am homeless moving from one friend/ relitive's place to another.  

I think Aflac owes me between $5,000 and $10,000. My policy was for $1,200.00 a month.  They only paid me for about a month and a half out of the 9 months of insurance that I paid for that year.  

I contacted the insurance commissioner in FL.  No result. 

I have made numerous claims.  No payment. 

How could I ever find a Dr. to sign THEIR form?  What kind of Dr. could I go to that would listen to the whole story about such a complicated problem that I never recovered from?  Some of the Doctors that treated me are gone now.

I still have all the proof that they require I just can't get one person in one dept. to read it. 

Of course I am broke, in foreclosure.  I would appreciate any help or advice that anyone could give me.