100 percent correct about disability insurance, exactly what happened with us. After my wife went through all her sick and vacation time, the disability policy she purchased through her job kicked in. The insurance rep would call requesting medical reports which I submitted and all went reasonable well for about a year, then they started wanted more detailed reports. In between surgeries and chemo would be seeing the oncologist about every 3 months but those reports were supposedly not enough
My wife got a back check from SSDI from when she first applied for SS