It might be possible that one or more of your policies has an exclusion targeting those with a disability. For example, the early symptoms of your condition can be described in the fine print and serve as a ground for denying your disability insurance claim.
As a person living with a disability, you surely know everything about your condition and how it affects your life. Unfortunately, the insurance companies don’t have that knowledge, and they can’t just take you for your word. Because of that, they have the right to send you to a chosen medical specialist for an evaluation.
This process is called the independent medical assessment and provides an opinion to the insurers about your state. For example, companies need to understand the severity of your symptoms and whether there are any recommendations for treatment. They also need to know if your condition is truly disabling from a medical or legal standpoint.