I am glad that neither I, nor my husband, has had to use disability insurance for an injury. We have a friend right now who is trying to claim social security disability for injuries that happened at the workplace. His injuries are real. Unfortunately, there are too many people who like to claim fake workplace injuries in order to collect disability insurance or social security. These people make it difficult for the honest people who need to collect.
We could solve 99% of the problems in the world, if everyone was just honest!