Is it permissible to use terms such as "natural disasters" and "mentally or physically disabled person," and is there a Sharia-compliant equivalent for them?

Attributing disasters to nature is metaphorical, because the true agent behind them is Allah Almighty. Therefore, there is no harm in using it with the intention of referring to the location where the disaster occurred, not its doer. However, it is preferable to avoid it and replace it with terms that do not suggest any blemish in creed, such as "heavenly matters." Scholars disliked ambiguous phrases that touch upon creed, just as Al-Hasan Al-Basri disliked the saying "Suhail has risen and the night has become cool," and Malik disliked the saying "How fit it is for rain." As for the phrase "mentally or physically disabled," there is no harm in it, because disability means prevention and inability, and the disabled person is prevented or unable to act. It can be replaced with "people with excuses" or "the excused."