First, call someone else at Reliance Ins.--you want to see whether or not the problem is at the company, or whether somehow the problem is with the rep. If with the rep, the company might be able to fix it for you.Beyond that, if they are the disability insurer and you have a disability policy, then have a legal obligation to pay you. If you cannot get satisfaction from talking with the company, you could retain a lawyer and sue and/or report them to your state's insurance regulator.Act fast: when an insurance broker or rep starts making excuses, it means (1) there is a problem with the company; (2) there is a problem with your personal coverage; or (3) the rep has or is somehow diverting money to him/herself. There is no valid reason you can't get an answer.