Monday, November 5, 2018

Adoption...it's expensive

If you don't care about money (like me, typically)... skip this post and come back when I have something more interesting to say. 

For the rest of you, I wanted to break down a little of why adoption is so expensive for those who don't know. I didn't know why it was, just that it was, when we started. 

Expenses:
Lawyer Fees - $4,000-$5,000
Complete Home Study - $4,500 - $5,000
Birth Mother Living Expenses- $4,000 max. (in IN)
Birth Mother Medical - $0-$5,000 (depending on what type of insurance she has)
Marketing - $5,000
Counseling/Support/all the amazing things the agency does- $13,000-$18,000

Reimbursements:
Federal Tax Credit - $13,810
Indiana Tax Credit - $1,000
Cummins Adoption Support - $5,000

So we're looking at something like $35,000 we need to front and around $15,000 that we won't get reimbursed for.

That leads us to funding options. Again, this is meant to be educational, if you don't care, skip this part.

Some people put it on credit cards or take out an unsecured loan, but we were able to do a line of credit on our house,  so we'll be able to pay it off over time, and front the $20,000 that we will get reimbursed for. 

But at the request of friends, we've set up an account with a nonprofit agency that if you would like to donate you can do so and it is tax-deductible. Please do not feel obligated to do so, we have a plan to cover the expenses. 

Here is the link to the page. Thank you. 
https://adopttogether.org/families/?fundraiser=earnest-family-adoption-3

So you know, the organization for the donations takes 5% of what is raised to cover their costs. 

Seminar - What we learned


The main goal of the seminar was to break down the 3 Types of programs at ASC, I’ll let you read all about them from ASC, I’ll let you read all about them from ASC if you want details: http://www.adoptionsupportcenter.com/adoptive-parents/options-for-adoptions/

In Kevin’s words, “Pay for what we can’t do ourselves.” Although I firmly believe Kevin can do anything he puts his mind to, since this is completely out of our wheelhouse we went with the Gold package, which is the most expensive but also gives the most support, especially in finding a bio-mom in need.

We also learned about the financial aspects of this process, but I’ll do a whole post on that, but spoiler alert it’s EXPENSIVE.

We talked through the next step in the process, we will have another class (which we thought was going to be in January, but is going to be Dec 6 YIKES!) To help prep for our home visit. When we talk about a home visit, yes this is a legal thing that must be done, but it is also more of an ongoing conversation about the adoption and how a new baby will fit into our home. So, the home study will likely happen in January.

After the home study it will be 4-6 weeks until we’re “Active.” That means that our profile is being shown to mothers who contact ASC or who are in the hospital delivering and have not yet contacted an agency (these are “Drop-in” adoptions). Once a mom chooses us, then we can meet with her (if we both choose) and prepare for the due date. Nothing is final however until the baby is born and the mother can back out at any time.  

Things to consider: Race, drug usage by the mother, pre-maturity, openness of the adoption, bio-father risk.  

Race and drug usage: These go together because they do… the fact is that in Indiana, if you want an Caucasian baby, the mother will likely be using drugs, there is a much lower % of drug use amongst Black and Latino mothers.  So, mostly we talk about one or the other, or both/either.

Pre-maturity and other health risk are something to talk about. Alcohol is treated different than drugs, partly because you can’t test for it and partly because it has much more damaging effects (in general), and in general a Fetal Alcohol Syndrome baby is a special case with this agency. All of this including drug usage is grounds for a meeting with our pediatrician to talk through their recommendations. (speaking of, I need to schedule that).

Openness of the adoption: Adoptions that are legally closed are becoming rarer. A legally closed adoption, means the adoptive parents and bio-parents never meet and the records are sealed. An “open adoption” legally just means that the parents have shared identifying information, even if that is meeting, or sharing 1st names. That openness depends on the adoptive family and the bio-parents, it can range from the bio-mom knowing where the baby lives and visiting at the house, to pictures only shared through the agency. That level of openness is something our agency will help us through, to help protect everyone. Some of my co-workers who have adopted are even Facebook friends with the bio-grandparents and bio-aunt, but have no contact with the bio-mom. It all just depends.

Bio-Father Risk: The risk here is legal risk of the adoption. The bio-father has different rights, even after the bio-mother has terminated her rights after the baby is born, it is possible for 3 months (in IN) for the bio-father to come forward and stop the adoption. Likely in this case the baby would have been living with the adoptive family for weeks or months by the time this all takes place. In other words, a mess in many ways. If the bio-father comes forward after the adoption is finalized, he has no legal rights. If we’re open to it and he is a positive influence, the agency can help us through developing a relationship with him. In both the case of open adoption with the bio-mother and bio-father it is a relationship, they will change overtime, but what is most important is what is best for the child. All the adults involved need to keep that in prospective at all times.

All of that adds into how long it will take to be matched and placed with a baby. Over the past year or so, ASC has had an 8-10m average wait time from becoming active to being placed, although many placements happen within 0-3months and many were 12-14months. So, you just never know.

I think we heard “You just never know” about 100 times in the 4 hours :-)

Is your head spinning yet? Yeah, it was a pretty jam-packed course, but we’re so glad we took the time to start thinking through all of this.  

Next up, lots and lots of paper work before Dec 6, and the first of the payments (which I’ll break down a little bit in a later post).

Tuesday, October 23, 2018

Getting Started

This morning Kevin and I went to our agency's intro seminar. We learned more about their different programs and what to expect throughout the process. 

Information overload. Will post more later.

Monday, August 13, 2018

The Start of a Journey

Adoption Blog Post #1

Ok all. Kevin and I have some big news on something that has been weighing on our hearts for a long time.  We've contacted an adoption agency, taking our first real steps to a domestic infant adoption.

Starting this blog is a step to bringing you all along for the ride.  One of the things I want to do through this process is provide some insight to the process for others considering it and provide opportunities for you all to pray for us along the way.  Through all of this, we hope to bless others while expanding our family.

To answer some questions.  

Why adoption?
We were so blessed in our pregnancies with Aurora and Elizabeth(Lily) but it was really hard on me: emotionally, mentally, and physically. I knew when I was pregnant with Lily that I didn't want to do it again, but both having 3 siblings, we both wanted more kids. We thought and prayed a lot about it. We followed other friends adoption stories, and God put it on our hearts that it is something we should do. So we've been thinking about it off and on since I was pregnant with E. Of course we wanted to wait until she was a little older to start the process, the goal is to have her and #3 about 2 years apart. (We'll see what God has in store on that front.)

Why infant adoption?
I love babies. I want to raise my children from birth. Ideally we'd bring the baby home from the hospital. There is a huge need for child adoption and fostering, and if that is what is on your heart, that is amazing. Fostering is just not what we feel we have been called to.

Why domestic?
The biggest factor in this is the desire to have an infant which isn't possible with international adoption.  

What can you do?
Pray. Pray for us and the girls. Pray for the biological mother who we don't know yet, but God has a plan for. Pray that the process go as smoothly as possible.

As we learn more, we'll share more. Thanks for joining Kevin, me, Rora, and Lily on this journey.  

-Lisa