I think reinforced digital isolation is a big part of the problem. This is something that could be solved by calling the service phone number or asking at the library or a help group, a doctor's office etc... It might be extra hoops to jump through but there's not any physical or communication barrier completely blocking her. Instead she clicks a button and gets a form and automatically feels completely helpless.

A 20 page form should take like ~30-45 minutes with help, it's not a huge ask and doesn't require as strong of a support network as some people in this thread are claiming. She's got a phone and can read and talk, the only thing that could lower this hurdle further is support information being stapled to the front of the form.

Now it's a different issue once the bureaucracy requires multiple followups, workday visits, transportation for evaluation, etc...