What does it mean when an Arbitrator is brought in when after a month and a half and still no benefits?

It is because of the contract or a form you may or may not of read completely stating that when there is no way to settle dispute the company has put into place the Arbitrator to make a judgment . This is so you can not take your company to court. You may want to call your administrator's office and ask them if you did indeed sign that form and ask them to produce you a copy