Why is it Hard to Say "Disabled"?

It is such a strange taboo, this entire connotation that accompanies the word:
"Disabled".
Merriam-Webster includes several versions of the definition - one of which is to be "impaired or limited by a physical, mental, cognitive, or developmental condition : affected by disability".

But why does it feel a little more accepted to say:

"I have a disability"

and extremely uncomfortable to say:

"I am disabled".

Do you think there is a difference, or is this an entirely social issue? Is it an imaginary feel to the phrase? Or is it something tangible?

For me I think the only difference is guilt.
I have hundreds of pages of paperwork from several factions of medical and government organizations, specialists, physicians, etc... that all say the same thing: due to illness I am deemed disabled. Though because I am not bound to a wheelchair, because I do not have an illness that is considered terminal, and because my illnesses cannot be seen with the naked eye, I feel much more comfortable saying that I have a disability.

There may be one other reason.
Pride.

But why is it more difficult to say one phrase over the other? Why does the second phrase seem so final?

The truth is, maybe I should be saying the second phrase. Perhaps it has a level of permanence to it that 'having a disability' or 'suffering from a disability' just does not have. Maybe it is because being disabled is a much more accurate representation since what I suffer from is incurable and progressive - which means that, in all likelihood, I will continue to get worse (hopefully in a slow fashion).

My husband sees the difference in the two phrases as one implying complete disability and the other implying only partial disability. Which makes complete sense.

What do you think?
Is it a stigma or is it just my own personal perception? Are there reasons you feel uncomfortable saying either phrase?
Let me know in the comments below or on social media. I would love to know your take on a mere three-four words.

(Even with writing this post I am extremely reluctant to write, in earnest, that I am disabled).