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I had this discussion once w/ an instructer. A lady in our church wanted her CHL but could not load her pistol the 10 times required during the proficiency test. She had a degenerative bone disease that made her weak & very stiff too.
He said she would have to be able to do it herself.
She could load a high cap 9mm mag at her house given 20 minutes. She could insert the mag & she could rack her slide once. When I explained that to him & reminded him that in her condition she was a more apparant victim than a healthy person. She has the right to protect herself too.
He agreed. She scored upper220's. I forgot evactly. 98 on her written test.