Ugh...well, like everything, it depends.
First, is that a policy for "own occupation" or total disability. If it's for total disability, then good fucking luck collecting. It's hard enough to collect on an "own occupation" policy even when it's blatantly obvious that you can't do your own occupation. Case in point: I frequently can't see properly out of my right eye and my right hand goes numb, and my job was performing micro-surgery. So, uh, yeah, problem.
They still rejected me citing a medical explanation that doesn't even make sense, and a year later we're still wading through the molasses swamps of a lawsuit that hasn't even made it to mediation yet, and I've been made to produce years of records in relation to personal shit, like my therapy sessions, that has nothing to do with my disability policy. In short, they've done everything they can to humiliate me, insult me, dehumanize me, and generally try to torture me.
Now, I don't mind, I actually enjoy a good fight, and am not easily intimidated by having someone violate my privacy, it was what it is, and I'm generally dispassionate about it. But my lawyer has been doing only these cases for 35 years, and the norm is not to be chill about it, the norm is to be a total wreck through the entire process, so it's good to know that in advance. It's a traumatizing experience by design.
If it is "own occupation", is your occupation specific enough that it's clear that there is no area of your profession that could be done with accomodation or retraining? It doesn't matter if your employer won't provide these things, it only matters if they are theoretically possible. So you have to be able to prove that you are disabled in a way that there is no version of your occupation that you could possibly do, even with support, even with everything converted to braille, or a $8000 Altwork desk, or an emotional support monkey, or whatever the hell need you might need that *could* be accommodated but that no employer reasonably would accomodate.
If there is any doubt, it will likely end up in rejection and a lawsuit. This is the norm, not the exception. What's reasonable doesn't actually matter until it might end up in court. They will reject you even with made up excuses, like in my case, which my doctors were shocked got rejected (and pissed off about being misrepresented) but my lawyer wasn't surprised at all. They want lawsuits, that way they can settle for less than the face value of the policy, and a lot of people can't afford lawyers, or their case isn't solid enough to be taken on contingency.
If it's total disability, well, good luck proving that. You have to prove that there is no job that you could ever possibly do with any degree of accomodation, which is basically impossible unless you have irreversible frontal lobe damage and can no longer control your own violent/dangerous behaviour, and you've lost your sight, and maybe also lost a limb or two.
Even then, they won't just pay out the policy, they'll probably periodically cut off your payments and require you to jump through hoops to prove that you are still brain damaged, blind, and missing a limb, and even then, it will still likely end up in a lawsuit.
Through all of the above, expect to be followed by a private investigator and feel like you have no privacy, it's a normal part of the process. It's designed to be invasive and threatening.
So you have to balance the cost against the likelihood of the policy ever paying out.
Seriously, have your policy reviewed by a disability lawyer before signing it. That's a huge expense, and you need to know what you are actually buying, because you are NOT buying guaranteed income replacement in the event of severe, provable disability.
Only then can you really balance what it's actually offering compared to the cost.
Now, let's talk about this expensive policy. How long were you expecting to work? Most policies pay out until you are 65, so if you were planning to retire early, you don't have to replace nearly as much income, because even a very small policy adds up when it's projected out until the age of 65.
Even a modest policy, which likely will end up being settled for anywhere from 50-75 cents on the dollar, can provide a solid lump sum and push you over the edge to FI, so you may be able to downgrade to a much less expensive policy if you look a little closer at the math and what you actually need.
Granted, if it's a total disability policy and you actually qualify for it...uh...yeah....you will be so fucked up, you will likely need extensive, ongoing care. So there's that aspect too.
Sorry to sound like a total downer, I'm actually not, I'm quite happy I purchased my modest policy, but you need to know who you are giving your *substantial* money to, and what you are actually buying with it.
The more informed you are going in, the more informed a decision you can make, and the better prepared you will be in the, hopefully unlikely, event that you ever need to actually pull the trigger on your policy.
Pro tip: call a lawyer at the beginning of your chronic illness, ideally before you talk to any doctor, not when it gets bad enough to considering making a claim. Also, if you start getting sick, get in the habit of asking for copies of your medical notes after every visit.