Sorry, I missed the fact that you are disabled. Being disables *does* make this a qualified distribution; I'll update my answer. Keep in mind that, with regard to retirement distributions, being disabled means (Form IRS Pub 590-B):
"You are considered disabled if you can furnish proof that you cannot do any substantial gainful activity because of your physical or mental condition. A physician must determine that your condition can be expected to result in death or to be of long, continued, and indefinite duration."
This means furnishing proof to the IRS. Other organizations such as Social Security have their own separate definitions of "disabled."
