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.
The illustration below shows how the duration of the short term disability works: If you are unable to return to work at the end of the short term disability coverage period, you may be eligible for long term disability coverage pending approval from your physician and the insurance carrier. If this is the case, you would experience continual coverage through your disability.