BMO Insurance Critical Illness Insurance Reviews

I made a $10,000 Critical Illness claim with BMO over 3 years ago & still have not been paid out! I get the distinct feeling their customer service reps are instructed to stall as long as possible, hoping claimants will pass away before they are paid out. I've contacted them several times, got weak apologies and was made to fill out the same claim forms I did originally to start the process all over. Then I don't hear from them again and have to keep trying to contact my case manager. I'm sure $10,000 is mere pennies to this large company. Shameful! Only used them because I had no choice as it was part of a package provided by my employer. Gave BMO a one-star rating because that's the minimum - otherwise, I'd give them no stars at all.