Firstly the “the disabled” means nothings!
So let look at some groups of people you need to check can you’re your web site.
A poor person that only has a note-book with a small screen
You just need to check your website can be used when the browser window is small without too match pain.
A colour blind person
Can someone use your website without seeing the colour of icons etc, imaged you were accessing it on a B&W monitor.
A person with poor site.
When your changes the type size in the browser, does all text get bigger in your site, and is the layout still OK. Also can the size still be used on a small monitor?
Does your site use a high contrast layout, if not is it easy for the user to switch to a high contrast layout?
A person that can’t use the mouse
Can a person that has never used your website before, access all functions/information just be using the keyboard. (Does the tab key work in a useful way?)
Someone with poor reading skills
You are using simple English as much as possible?
Someone that is not good at learning new things.
Is the design of your site based on other site your users already know how to use?
A blind person.
This is the hard one and most of what you read is not of match use!!
Short out all our other access problems first, as there are a lot more people with poor site, or how can’t use the mouse than there are bind people.
Next understand your aims, e.g if your site is a hotel booking site, it may be better to provide a fee phone number for making bookings and then just make the hotel information accessible.
Most blind people find it very hard to
use any interactive website they have
not used before, however well the
website is designed.
So should you provide a none web option? (Phone? A person that visit them to help fill in the form etc?)
Firstly can your site be used without any images? (Alt text is one way of doing this)
Given the speech software reads the site top to bottom, can your site be understood in that way?
Changing the colour of items for changes of state is also not a good option.
The only way to learn how to make a website work well for bind people is to see how a bind person uses a screen reader on some websites. None of the standards are good enough, they just tell you what you just not do, but keeping to them are not enough.