It's not just extra costs it's the limited earning potential a disability can cause.
I hope my autistic teenager does manage to get a job in the future but it's unlikely to be full time or highly paid.
She takes a number of medications thst will need to be paid for, transport to appointments, higher electricity bills as always either too hot or too cold and a fan or heater running 24/7. Lights always on even all night as fear of the dark, sensory issues require specific clothing, dietary issues need specific, more expensive foods, lost items, private therapy as needed (£100+ for 50 minutes I kid you not!) etc etc. She would say she has no extra costs because this is her normal and we pay.