1. If it is raining, then my car is wet.
2. It is raining.
3. If I am in the carwash, then my car is wet.
4. I am in the carwash.
Set $S$ to be the first two propositions, $T$ to be the last two. Each of $S,T$ imply that my car is wet. Their union, i.e. all four propositions above, also implies that my car is wet. However $S\cap T=\emptyset$, which does not imply that my car is wet.