Addition, it's too late to edit now, but reading back my comment, there should be scare quotes around the words "truly" and "true". I very clearly don't want to mean to imply I have the position to decide who is "truly deserving" or "truly disabled".
Just wanted to point out that a lot of people who can't work, generally want to, very badly.
Trust me when I say that the truly deserving individuals with true disabilities do not want to sit on their asses, deservedly or not.
The part where it's "psychologically healthy to want to make the most of your life" holds just as much for them as for everybody (and it's arguably even more important for them). It doesn't take a very long time of sitting on your ass to realize this, either.