Doing some thinking:

Disabilities’ meanings varied; they meant different things to different people in different locations. Missing a finger might be a sign of experience as a machinist. Missing an eye might mean one had respectable experience in mining.

Insurance companies came to portray disabilities as dangers. Disabled people came to be considered a financial risk because of perceived corporeal vulnerability. After a workplace accident an already disabled person would or could be worse off than a previously able-bodied person. Employers and their insurers were financially responsible for that greater differential. In this understanding, disabled people magnified the effects of workplace accidents. Disabled people also came to be considered unreliable and accident prone, as more likely to cause workplace accidents.