The Ins and Outs of Financing Adoption

Adoption Subsidy

If you are interested in adopting a child who is currently waiting for adoption in foster care, fees are often kept to a bare minimum or even waived. Many of the children will be eligible for federally funded or state-funded adoption subsidy payments, which help you meet the child's ongoing needs. In addition, some children qualify for SSI (Social Security Insurance) payments or Medicaid coverage because of their medical conditions.

Children with special needs may qualify for an adoption subsidy that is paid to adoptive families to help them pay for their child's need for ongoing therapies or treatment. Adoption subsidy agreements must be negotiated with the placing agency before the child's adoption is finalized.

For more information on adoption subsidy, visit the Web site of the North American Council for Adoptable Children (NACAC) at This Web site allows you to click on your state and find out how adoption subsidy is handled and who the state contact person is. You can also call their NAATRIN adoption subsidy helpline with specific subsidy questions at 800-470-6665.

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