First of all, you should determine whether you want to apply for short term disability insurance or want for a longer period of time. Short term insurance suits to those who have got disability that can be recovered in a few months. But long term disability insurance is for those who have become disabled on permanent basis.
After that, you should also determine how much disability insurance you want to apply for. You have to decide how much disability insurance coverage you want. You should go for such amount that could allow you to clear all of your bills and meet other expenses for at least two years.
If your disability still does not allow to work after two years, then you can also apply for getting disability benefits from the government. So, make sure that you do not face any financial crisis in the first two years of your disability.
Another important thing is that how much premium you can pay for getting disability insurance. Make sure you have enough budget at the moment to get disability insurance.
You should also check the offers of different insurance companies and go for the one that offers you more benefits according to your affordability. Also check out if you qualify for any sort of discounts for disability insurance.