Greetings, czgibson.
Lets we take a look the complete verse of Al-Baqarah:286
"Allah does not charge(burden) a soul except [with that within] its capacity. It will have [the consequence of] what [good] it has gained, and it will bear [the consequence of] what [evil] it has earned. "Our Lord, do not impose blame upon us if we have forgotten or erred. Our Lord, and lay not upon us a burden like that which You laid upon those before us. Our Lord, and burden us not with that which we have no ability to bear. And pardon us; and forgive us; and have mercy upon us. You are our protector, so give us victory over the disbelieving people."
The part which Allah does not burden someone beyond his/her capacity actually is not about tragedy or calamity or having disability. But it does refer to duty and obligation, which Allah does not burden someone with duty and obligation that beyond his/her ability to do it. In example, Allah obligate Muslims to perform salah only 5 times a day, not 100 times a day that beyond the common people ability to do.
Peace.