We are? Charlie uses a dollar to buy the chocolate bar with the golden ticket. Also, who mentioned insurance? You are the first person to bring it up, saying it's not insurance... Okay it's not insurance but nobody said it was
A disability caused by work activity would be covered by worker's comp insurance.
Edit: in California all employees pay into state disability insurance. In the event they become disabled they could receive disability benefits from SDI. If someone were to claim to be disabled it would be disability fraud. Why are we even having this discussion and who cares?