It is, in simple terms, FRAUD.
There was a young single "holier-than-thou" sister that was in my circle of associates back in the day who was always telling us all that there was no excuse to not pioneer. When I pressed her on why that was the case, she explained to the group that all you need to do is find a doctor (she offered hers up) who will assist you in qualifying for disability benefits from the government. I asked, "what if you're not actually disabled?" Her response was that "If Satan's system can provide means for you to pioneer, you should take it." My response to the group was "If someone is claiming disablility benefits who is not actually disabled, that's the definition of fraud-- which is a felony." Let's just say she was not my biggest fan after that.
In seperate occassion (when I was unemployed for a short time) several people asked me: "Why aren't you pioneering right now? You're getting unemployment checks, which you can get for a year. You can be out in service every day!" My response was always the same: "Yes, I'm receiving unemployment benefits, but they're provided with the expectation that I'm looking for a new job during that time. So in reality, I still have a full time job-- it's called 'looking for a job.'"