How To Apply For Disability Insurance? 
The first step is to investigate if short term disability is offered through your employer group plan . If not then you should go online to brokerage shops that offer several carriers , some on easy to understand spreadsheets to determine whether short or long term disability insurance is the way to go for you . It will simply come down to affordability . Keep in mind that you 're annual compensation and health history will be the two bench marks for premium pricing . 