Example #1: A couple of weeks ago, my brother, an orthopedist, had a 26-year-old man come in for an ankle sprain. In the course of working up the ankle -- mildly sprained, no problem -- he found that the patient doesn't work and is on 100% disability. Why? Because of acne. Yes, acne. Apparently when he was 19 or 20 he had such severe acne that someone deemed him unable to work and he was approved for 100% disability. Even though his skin now is perfectly clear, with some minor acne scarring the only remaining blemish, this man will likely never work a day in his life -- he will be drawing a disability check from the government for the next 60 years.
Example #2: Another brother is a police officer. Or was. He recently retired, at age 52, and now will draw a $70,000/year pension for the next few decades, which is a separate but related issue. But he tells me that -- even though he didn't personally take advantage of this ploy -- it is routine for retiring police officers and firefighters to go to "friendly" doctors and have those doctors certify them as disabled so they can get disability checks in addition to their pensions. It's called "taking the disability topper" or "getting DA'd."