T.O.
IEP = Individualized Education Plan (for children 3 & up)
IFSP = Individualized Family Service Plan (Birth - 3yrs.)
As a former special ed teacher, I can tell you that parents hate that a speech delay/impairment is considered a disability. It is more a term used for the legal description of the services you are receiving.
Also, just because a child was born with something or has a medical diagnosis doesn't mean they qualify for services through the school district. There is specific criteria that a child must meet (done through testing and assessment) to be eligible for services. Each disability category has its own criteria and I've seen a child not qualify in one area but another area that wasn't expected and parents get upset because they are concerned with the "label" that their child qualifies under.
Don't worry about the term disability, it is all legal jargon. But definitely ask a ton of questions!