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 Disability and Coverage Options. Short-term disability typically is defined as a medical condition, illness or injury that leaves an employee unable to work for a limited period, usually 12 weeks or less. Workers' compensation is an option for employees who are injured or disabled on the job. The program is mandated by federal law and administered at the state level. It is a form of insurance that provides financial assistance, medical care and other benefits during a short-term disability or illness.