The rapid development of artificial intelligence has accelerated the reform in the field of pension industry. The increasing maturity of intelligent pension products has also enriched the content and quality of pension services. However, as a group of multiple vulnerable factors, the demands of the elderly and the disabled have not been fully met. As an indispensable part of the elderly and the disabled, the elderly and the disabled have the dual vulnerable characteristics of old age and disability. Different from the disabled people of other ages, the elderly disabled people not only face stronger life care needs than the ordinary elderly, but also have an increasing demand for medical rehabilitation services. The superposition of various needs makes the pension problem of the elderly disabled more serious.