The Lord disciplines those whom He loves

Hebrews 12 5 And ye have forgotten the exhortation which speaketh unto you as unto children, My son, despise not thou the chastening of the Lord, nor faint when thou art rebuked of him: 6 For whom the Lord loveth he chasteneth, and scourgeth every son whom he receiveth.  -kjv

5 And have you completely forgotten this word of encouragement that addresses you as a father addresses his son? It says,“My son, do not make light of the Lord’s discipline, and do not lose heart when he rebukes you,6 because the Lord disciplines the one he loves, and he chastens everyone he accepts as his son.”  -niv5 And you have forgotten the exhortation that addresses you as sons: My son, do not take the Lord’s discipline lightly or faint when you are reproved by Him, 6 for the Lord disciplines the one He loves and punishes every son He receives.  -hcsb Question: How do we know that that the adverse circumstance that is happening is truly a discipline from our Lord and not because of other reasons?