With any type of risk management you want to see if you can:
With the risk of disability, lifestyle choices can help you avoid or minimize the risk. You will then need to decide if you want to assume the entire risk or transfer it.
The risk can be transferred to an insurance company through the purchase of a disability insurance contract.
The amount of coverage you would purchase combined with the waiting period you choose before the benefits begin and how long they would be payable are the mechanisms you would use to determine how much of the liability you would take upon yourself.