It's really up tp the child. My youngest little girl grew so tired of her crib at 20 months old that we HAD to get her a toddler bed (only thing is we have to fight her to stay in it when it's bed time....LOL). She's been in it for the last 4 months and has been doing fairly well with it. Talk to your 3 year old and ask her what she thinks of it.
However, disability insurance is not based on a work-related injury or illness, whereas workerâs compensation is specifically for injuries or illnesses that happen on-the-job. The two types of disability insurance are short-term and long-term. 1  Short-term Disability â A shorter waiting period to get paid, but you get paid for a shorter period of time.  Long-term Disability â A longer waiting period to get paid, but you get paid for a longer amount of time.
Most premature babies who are born between 32 and 37 weeks do well after birth. If your baby does well after birth, his or her risk of disability is low. Babies most likely to have long-term disability are those who are born before 26 weeks or who are very small, 2.2 lb (1000 g) or less. Long-term problems may include problems with thinking and learning or cerebral palsy.