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.
One notable difference between short and long term disability insurance is that short term disability insurance premiums are much cheaper than long term premiums, since the payout isnât as large and the coverage does not last as long. Long term illnesses and injuries can devastate your personal finances.
Short-Term and Long-Term Disability Insurance: The Details. Long-Term Disability Insurance Overview. Long-Term Disability Insurance (LTD) helps replace some of your income for an extended period when you cannot work at all or can only work part-time because of a disability. To be covered by LTD, you or your employer must pay a monthly premium.