I don't know if this counts as a disability, but I have a phobia of thunderstorms. I cannot play when there is one, and if I find myself caught by surprise while playing I have to log off immediately and then try to track the thunderstorm to see how close it is, if its pretty close I'll hide, and if it's overhead I am basically a shaking, sobbing mess in a wardrobe somewhere. In fact right now I am not playing because there's one near-by ish, and I am trying to distract myself by scrolling through the forums on my phone, while I wait for it to pass.
My cat shares my phobia and is hiding under the bed :/