People seem to think that getting on disability in the U.S. is an easy and accessible thing for disabled people, so much so that there's a pervasive myth that people who aren't really disabled are able to get benefits anyways. This is not the case.
The only group of people who can more easily obtain disability status are the elderly who are disabled through common aging ailments, but who still have expenses they cannot pay otherwise. For everyone else, the process goes something like this:
1. Somehow have access to healthcare so you can get diagnosed with something in the first place, which, if you can't hold down a job, your best bet is to simply be poor enough to qualify for Medicaid, OR wait till your condition gets so bad that you end up in emergency care
2. Find a reputable lawyer who agrees to take on your case, and lawyers are incentivized to only take cases that are nearly guaranteed to win because they get paid through the back pay you receive from disability benefits being granted
3. Spend YEARS going to court hearings, which often results in courts wanting to see proof that you've tried state sponsored work programs and have failed to hold down a job despite reasonable accommodations, and be seen by a court assigned doctors whose job it is to find any reason why you can work
4. Participate in said work programs and fail, AND be seen by court assigned doctors who will find any excuse to say you're not disabled
5. Attend more court dates where the state will argue that simply having children, wearing makeup, and having hobbies means you can have a job
6. Finally, after years of fighting, assuming your lawyer didn't drop your case, assuming court doctors found you sufficiently disabled, assuming you failed at work programs, and assuming ongoing medical treatment doesn't make you capable of working, you are given disability payments
Disability checks are notoriously very, very little. You are doomed to a life of severe poverty, and if you get married, you will lose your disability payments because it is assumed your partner will be able to care for you. If you live with a parent or family member, you can also lose or get reduced benefits because it is assumed they can care for you financially.
Throughout this process, you often have to sustain ongoing medical care to show that medical treatments do not make you able to work. You also have to continue living through your disabled condition while also attending court, going to doctors visits, doing work programs, and organizing a case alongside a lawyer. It is a full-time job. I don't think I need to explain how fucked it is that the government requires you to WORK to prove that you cannot work.
Because getting married is grounds for losing disability benefits, this is why disabled advocates have long said that we don't really have marriage equality in this country. The fact that disabled people having children is seen as grounds for losing disability benefits, we have long said that this system is actively doing eugenics by shutting out disabled people from procreating.
So no, the crotchety old woman who receives disability across the street is not "mooching off your tax money." The vast majority of disabled, non-elderly people cannot really access disability payments, which leads many of us into homelessness, poverty, drug addiction, coerced sex work, and an early grave.