disturb, disrupt

I think the difference in usage between disturb and disrupt is explainable from the meanings of their Latin roots.

Turbulence or turbidity is disorder, being stirred up.

A person's emotions can be stirred up to the point of disorder, and the person becomes emotionally disturbed. It makes sense to say that one should not disturb a hornet's nest or a sleeping dog.

Rupture is breaking or bursting.

A cycle, like a chain, can be broken, so it gets disrupted.
When I am in travel, my physical schedule gets disrupted.

http://forum.wordreference.com/showthread.php?t=1630189

"disturb"は人に対して、"disrupt"はモノといったところでしょうか。
講義の後に質問に伺ったら、”disturbされるのは、かなわんわ”と教授が言っているのが聞こえて、悔しい思いをしたことがあります・・・。