Someone on this board fits into a category you mention. Some at teens or students in college at home, some live with relatives, some live on their own. As for myself personally, I draw disability but my husband works. My disability does NOT cover my medication, and just a portion of my doctor visits. It's been 3 yrs now and currently is up for review for continuation.
When I first had to cease work, I owned my own home, had a very good paying job, good medical,etc. During the time period before I could draw disability, with no income, we had to file for bankruptcy and lost our home of 12 yrs.