If you feel farther away from God's love, then indemnity has not been paid. In fact, Satan has gotten the victory. It is Satan's will to separate you from God. But please don't think that physical suffering is indemnity. It might be, but then again it might not be.
Heartistic indemnity is spiritual only.
Unless you gain some spiritual benefit as a result of the physical suffering, no indemnity has been paid. A small amount of heartistic indemnity can be far, far superior to a great amount of physical suffering. It is all decided by how much closer you are to God as a result. Lesser indemnity is always the case in the Unification church. You never have to pay the full amount.