Sorry [to disturb/for disturbing]. What is the difference between these two?

Thanks in advance
I would always use the construction 'sorry for' when it comes to sadness or unpleasant situations.

I felt sorry for the number of beggers I saw when I visited India.

I have learnt to say 'sorry to disturb' someone.
1, Sorry to disturb you... but...
Sounds like you are about to disturb somebody (ask them a question for example). Maybe it could be a polite way to say excuse me.

2, Sorry for disturbing you...
Sounds like you are apologizing for something you have done (playing your music too loudly).
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