motgage protection insurance

Just wondered if anybody out there had made a claim while having delayed recostruction on their mortgage protection insurance or do thay say this was a preexisting condition. My employers only pay salary for 1 month then on to sick pay. I am the only one earning in the household as my husband has not worked for 7 years and i have a ten yearold daughter so cant really afford to pay mortgage if no wage.Still trying to catch up from initial treatment 4 years ago in fact still paying back tax credits they say i had too much of even though i couldnt get income support because i was getting tax crdits???