My husband passed away. He was a dentist with disability insurance. He put in a claim 4 years ago when he was diagnosed with cancer. He received very little after filling out alot of paper work. As he was turned off by the paperwork & ill he did not fill out further insurance paperwork. Now they say they closed the file and so I am not entitled to two years of benefit. But because I called the insurance when my husband went into the hospital they will cover this past year. Can the two years of benefits be claimed? the insurance is saying no.