The disability thing - that has nothing to do with retirement! we were led to believe that SS was a retirement account. Instead, it pays “crazy” money to parents of unruly kids.
Change it back to retirement, and it’ll be solvent.
Social Security was designed as a purely Democrat vote getting Ponzi scheme from the start, and thus is not intended to be financially sound.
The Congressional Record shows the Republicans at the time arguing these points when Social Security was debated in the House.
There's a whole industry now that will teach children how to act during the doctor visit so that they qualify for these life-long payments.