I fall into this category (I do not have disabilities, but do not drive because I've never lived somewhere that absolutely required it), though I do have a state ID. The state ID has always been accepted, though people occasionally boggle at my not having a license. Hell, all that's required for you to do your own credit check with one of the 3 credit bureaus is SSN, and if I recall correctly, birthdate and some of your address history (to make sure you've got the right John Smith or whoever).