To answer the question about additional Costs when you are disabled.
I was in an accident and am now disabled.
Additional costs:
Wheelchairs. I have three. One manual that I can push myself. Two electric, one the folds to go in the car and one that is big and hefty for going locally. I have three because the one that goes in the car only has a small battery so only has a small range and won't get me to the shops in my village. The hefty one I use for train journeys as well - eg going to see family by train.
I've been told some people manage to get wheelchairs on the nhs but I've not been successful at that and mine are all cheap second hand ones.
Bathroom. I got my bathroom refitted with supports etc.
Physio and hydro. After my accident I couldn't walk. I was told I was entitled to 4 one hour sessions of physio. Obviously that makes very little difference. Fortunately my insurance paid out and I was able to have a year of intense physio and hydro at 100 an hour for hydro and 60 an hour for physio. I can walk a few paces now which makes a massive difference. I'm now ten years down the line and go to a weekly physio class run by a charity which is ten pounds a tome.
I also can only wear a couple of specific brands of shoes. I get cold easily so like to keep warm - I have heat pads and hot water bottles mostly.
I can't clean the house myself so I have a cleaner.
I recently got PIP and am planning to use it to pay for a carer to come in once a day and cook me some hot food - omelette or scrambled eggs or something because it's hard to cook from a wheelchair.
You might think that if you have an accident/stroke/heart attack that there is support, there isn't. NHS physio and hydro is basically non existent. Everyone I know with a wheelchair either bought their own or got it through motability. In the last 5 years I've never heard of anyone getting a wheelchair from the nhs.