purchased dis. ins. on mortgage and was then diagnosed with cancer, how to get them to cover?

shortly after purchasing disability ins. i was diagnosed with testicular and lymphatic cancer that was very aggressive. while in chemotherapy I contacted the insurance co. to claim. I was totally involved in staying alive long enough to beat this cancer and was obviously seriously unable to keep track of finances and such. My wife did not realize this was one of the few things we had any coverage for and therefor did not deal with it. It has been almost two years and i just recently realized we had not recieved any benifits from this insurance during my year long fight with cancer. what can i do to get them to pay? The insurance was purchased with the mortgage and I thought that even though the claim is made that the insurance is a seperate issue the mortgage company is the legal servicer of all matters on the mortgage, such as ins. taxes if there is an escrow acct. etc.?