My bank is overdrawn, I ruined my credit, I am accumulating late fees… thanks New York Life

I have New York Life LTD through my employer. I was approved and was supposed to received my money in August. I received $100 because my first agent failed to inform me I am forced to open a file with the Advocator group in order to have my payments made in full by New York Life. This was told by a new case worker the week I was issued my money. I spoke to a supervisor who issued a check and said that my original agent was new so she was making an exception. However, I must begin the process with the Advocator Group in order for my next payment to be issued correctly. I did as I was told. To this date (9/27), I have yet to receive the August check the supervisor issued (which my case mgr reissued on 9/14), and my Sept payment was again $100 sent EFT. My case mgr said she didn’t know why it happened and issued a check on 9/18. My bank is overdrawn , I have ruined my credit, I am accumulating late fees and overdraft fees and I still have to pay my Cobra insurance before the end of Sept, otherwise I will be cancelled and will owe for services and Rx for Sept and anything after that. I work for a very big airline and when I contacted them about the screw ups, they contacted my case mgr who in turn made it seem like I was lying. I don’t think it’s fair that they are playing with my livelihood this way. Why should I sit and wait for a mailed check when they screw up? Why should I pay overdraft fees, late fees, etc that were all caused by them?!?