Needing To Sign Up For Disability Insurance

I am a few months away from applying for disability insurance. I used to have it where I previously worked, but do not have it through my current employer. And that is a real shame. It is so much harder to get an individual policy than to be part of a group disability policy. Many people get turned down. I hope I don't. I am putting applying off for a few months, but want to make sure I apply before my next birthday, so I don't get into the higher price category. I need good but cheap insurance. Hope it works out for me.