When you collect disability you get back paid to the first time you put in a claim, even if rejected.
So you put in and it takes three to six times and you get a lawyer, and then all of a sudden four years later, you qualify and get a real “chunk.” The lawyer gets his share of the chunk and you get high for the next year, or do it all up at once and OD.
The advertising is designed to assuage any guilt.
“You’ve paid into the system your entire working life - now get the benefits you deserve!”