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.
A typical waiting period for short-term disability benefits is 15 days, but may be shorter or longer, depending upon an employerâs sick leave plan. Waiting periods for long-term disability plans usually start 30 to 180 days after the disability occurs. Itâs best to coordinate coverage so that once any sick pay and short-term disability benefits have been exhausted, long-term disability benefits start immediately.