Yes, I agree that Disability pays very little, and I know that it won't cover all my expenses. But at least it's a steady source of income. Trust me -- it's my last resort. I know that I'll get turned down the first time, and that I'll need to hire a lawyer who specializes in Disability cases. I know the process can take anywhere from 5 months to a year or more.
I won't bore you with details, but I've been fighting this battle for over 20 years. I've been turned down for countless jobs, lost temp assignments within the first 5 minutes ("we're sorry, but we hired you to answer the phones -- didn't the agency tell you?"), been forced to answer the phones anyway (with disastrous results), and been openly discriminated against in the workplace. Been there/done that.
My writing income probably pays less than Disability, and it's too hit/miss if I need to survive on my own. My business is definitely improving, though.