As generative AI (GenAI) is integrated into everyday technologies, it offers new accessibility opportunities and risks for disabled people. However, little is known about how disabled people navigate GenAI in their everyday lives, particularly how trust, privacy, and intersectional identities affect these experiences. We present findings from seven cross-disability focus groups (N=20) that explore how disabled people navigate GenAI. Our findings reveal that while GenAI supports autonomy, efficiency, and communication, it also introduces accessibility taxes and ethical dilemmas. Although participants voiced skepticism, many continued using GenAI out of necessity. Finally, we found identity-based benefits and tensions, in which GenAI preserved and validated intersecting identities, but also misrepresented and erased those identities. We frame these negotiations as a constant balancing act between access and risk, urging research to further examine how ``access'' is conceptualized. We offer implications for creating GenAI tools that are transparent, trustworthy, and responsive to intersectional identities.
ACM CHI Conference on Human Factors in Computing Systems