Touch the tip of your tongue to the roof of your mouth just behind your teeth. Add vocal cord vibration as you release.

Americans pronounce disability as dih-suh-BIH-luh-tee (/ˌdɪsəˈbɪləɾi/). In "disability", the "t" between vowels sounds like a quick "d" — the tongue briefly taps the ridge behind the upper teeth. This is called the Flap T, and it's one of the defining features of casual American English. So instead of tih·suh·BIH·luh·tee, you get DIH·suh·BIH·luh·tee. Stress falls on the third syllable — keep everything else short and quick. You'll hear it in sentences like "The advocacy group lobbies for disability rights and accessibility" or "Disability rights have advanced significantly but challenges remain" — more examples below.
Record yourself saying "disability" and play it back. The mic stays on your device — nothing's uploaded.
5 syllables, 10 sounds. Tap a syllable to jump to its row, then explore each sound's mouth shape and how it's made.
Place the tip of your tongue against the alveolar ridge just behind your top front teeth, the same contact point as /t/, /d/, and /n/. The difference is what happens to the air: for /l/, you let it flow continuously around the <em>sides</em> of the tongue (that's why /l/ is called a lateral). Turn your voice on the whole time. Lips stay relaxed, no rounding or flaring. For the Dark L variant at the end of a syllable, also pull the back of the tongue up and back toward the soft palate.

Relax your lips, jaw, and tongue completely. Drop your jaw slightly and keep the tongue neutral.
Click any sentence to see the full breakdown — every link, every reduction, every flap-T.
The textbook way isn't wrong — it's just not how anyone actually says it.
In "disability", the "t" between vowels sounds like a quick "d" — the tongue briefly taps the ridge behind the upper teeth. /t/ or /d/ becomes a quick tap [ɾ] — sounds like a soft D. The tongue briefly taps the ridge behind the upper teeth.
Stress falls on the third syllable, not the others. Stretch BIH — keep everything else short and quick.
Don't pronounce the first syllable too fully. The unstressed syllable reduces to a schwa — the lazy "uh" sound — in casual speech.