Just to make some remarks, I won't address your problem with Disability but however if you went out on FMLA things would have gone a bit easier for you. You would have had proof from a DR that you were unable to work.

In regards to the man with his disability payments. It is the CUSTOMERS responsibility to make their payments on the account. until the disability company pays. If the customer coudln't come up with that money and decided to v/s the vhr then that was his decision he can't keep something he's not...