Colonial Penn life, I work for ford motor company, I pay this company for a short term disability policy in the event I cannot work ,it is a 3 month limit for 2500 a month, New york Nationwide

 I work for Ford motor company , Every month I pay for a short term disability insurance through Colonial Penn life,The limit is 3 months by $2500 a month ,April 3rd I went in for surgery not being able to return to work I feel doubtful of the proper paperwork ,Every week they send a letter Requested more information from myself from my doctor More authorisations and now they want all my medical records ,My doctor did a hand written letter explaining the procedure as well as the reasons why the surgery was necessary they have now requested more paperwork more authorizations this is the end of July I have still not received a dollar , my house MORTGAGE is behind 4 months, they have started foreclosures on my house,I don't know what to do, I have reported this to human resources in my company to wear over 800 people will be looking for a new Carrier,But in the meantime I need this money desperately I counted on it considering I pay the premiums ,As far as I'm concerned they are not a reputable company and this is all a scam they are doing everything they can not to pay me and I am forced to seek an attorney