I'll give my 2¢ worth. There are three aspects to being disabled:
- It makes day to day life more complicated. What can you handle versus what do you need assistance with? What ongoing preparations need to be made for normal everyday occurrences (meds & supplies). Is a particular social engagement too much to handle?
- Interaction (mostly frustrating) with a bureaucracy that most never encounter: SSD, VA, Medicaid, social workers, specialists, physical therapists, durable medical, home healthcare, etc.
- Dealing with the pity or annoyance of the public
Nothing like being cut off by someone for a disabled parking space, only to find out they are not disabled (not even a borrowed placard). And when you ask them why they would do that, they get aggressive and tell you that they're only going to be 15 minutes. Laws may be passed to protect and assist the disabled, but that doesn't mean the laws are followed.
Last thing... I spend a lot of time at home because I don't have the physical strength to go out. That's what it's like to be disabled.