Sorry to hear about your ordeal. You should contact a local attorney to talk about a potential bad faith case against Guardian for the 7 year delay in payments and the resulting hardships you and your family have endured.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
I am sorry for your loss and situation. State Departments of Insurance and rules regulate how insurance companies may act, and there is usually a prompt pay statute in the laws. There are certain penalties and damages you may be entitled to. you should contact an insurance attorney in your area to further consult you on your possible case. Good Luck.