Why do I pay to have such misery in dealing with a company??

I work in the financial field and have back issues that limits me from working full time. Many Years ago I took out a policy with Principal Group that would cover me and I thought this was wise. Little did I know I would be dealing with this issue in years to come. My Medical records and MRI’s and EEG and Dr. all backs up my stated problems and limitations. However, because I waited a period of time to file a claim and was between Dr’s care, my partial disabilty for that time period and forward is in question. My agent did not make me aware of all these hoops and requrements and he knew the time frame as I discussed with him along the way and was never properly advised. These policies are very complicated and I work in the financial field and yet the ambiguity around the language and the hoops you have to jump through is mind boggling. It certainly makes you question why you pay to have such misery in dealing with a company when it is supposed to keep you in times of misery and sickness.