Exercise is even more important if you have a disability, because your muscles will atrophy from disuse and cause even greater disability.
E.g. if you stop moving your leg because you have a bad knee, you will now have a bad knee and a weak leg. If you go to PT and do exercises to strengthen the muscles around the knee, it can take load off the joint and improve function.
I broke my arm late last year in NYC pretty badly, ended up having to get a surgery for carpal tunnel release + a titanium plate implanted.
Doctor told me I needed to do physical therapy for a few months after the surgery (which made perfect sense, because I could barely move/rotate my wrist, no finger/grip strength, and my mobility range was abysmal).
I searched for a reputable PT place nearby that was accepting new patients and that was a member of the American Society of Hand Therapists (per my doctor's recommendation), scheduled an appointment for the week after, gave them my employer's insurance info, and that was it. I never had to interact with the insurance company throughout the entire process, and they covered it just fine.
I know it is anecdotal, but out of my friends who deal with PT way more often than me (typically those who are seriously into competitive team sports), I am yet to hear of a differing experience either.
Insurance said: you get four sessions total. But you can pay the rest out of pocket.
For my parent it was a bit better, they covered all the sessions but only max of 30 minutes per day. My parent at the time was in mid 80s so could not rush through it so quick, needed like an hour. Therapist was forced to leave after 30 min and leave some instructions to do the other half alone.
But hey, insurance company CxOs got some nice fat bonuses, so that's all that matters!