Think seriously about the commitment you'll be making in taking on a cat. Cats are sentient beings, and a cat deserves to be seen as your family member. Bringing a cat into your home will be a responsibility for the lifetime of the cat, requiring you to provide healthy food, safety, love, companionship, and veterinary care both in good times and in bad.
Lastly, you will need to be sure you have dotted and crossed your legal i’s and t’s. If your child’s paperwork (mainly her certificate of citizenship) is not in the name she will be using, you will need to legally change her name to the correct one. This will most likely involve going through a readoption in your state. Some states require this step anyway, so you can do it at the same time. Other states have an administrative option for obtaining a Certificate of Foreign Birth, the equivalent of having a U.S. birth certificate. Readoptions can cost as much as $2,000 with the administrative options being less. To apply for a corrected Certificate of Citizenship, you will be asked to send in $555
Agency Fee: This fee covers administrative and professional services provided by the agency in connection with the adoption. It includes the cost of training, documentation preparation and authentication, counseling and support for adoptive parents and birth families, matching services, personnel, Interstate Compact for the Placement of Children administration, overhead, and legal consultation. Each agency has their own policies, but if a match does not result in a placement or a placement is disrupted, AdoptionLife.org rolls the agency fees over to another adoption situation.
This is a tax credit offered to adoptive parents to encourage their adoption. The United States International Revenue code offers a credit for “qualified adoption expenses” paid or incurred by individual taxpayers. The credit apply’s for all types of adoption except step-parent adoption and is available in the year the adoption is finalized. In 2017, the maximum adoption tax credit was $13,570 per child. The amount changes year over year due to inflation. Talk with your tax adviser to understand more about the Adoption Tax Credit and how it can work for you. The Adoption Tax Credit is not refundable, but it does provide financial assistance to many families each year.
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Part of what drives up agency costs is the fact that adoption professionals need to specialize. For instance, as a birth parent, I had a social worker who only worked with birth parents, and my son's adoptive parents had a social worker who only worked with adoptive parents. This prevented a conflict of interest for our social workers; mine didn't have pre-adoptive parents whispering in her ear. As Kelly Ellison of Your Adoption Finance Coach puts it, “Each professional involved in the process does a specific job, and that's how the prices go up.”
Adoption has never been famously known to be affordable. Many of the myths surrounding adoption are about its cost and its ability to be attainable by the everyday person. While there are many ways to afford adoption and adoption costs are often misunderstood, it is not usually a myth that most types of adoption are indeed expensive. When people ask the question, “Why is adoption so expensive?” it is usually because they are viewing adoption as a whole and not as a set of individual services. The process of adoption—broken up into sets of fees for the various services that need to be utilized—will help answer the question of, “Why is adoption so expensive?” in a more concise manner.
Attorney fees can range from pro bono to the moon. Other professionals involved in a private adoption might include a facilitator or consultant to connect the adoptive family with a birth mother, though 26 states “prohibit the payment of any fee for connecting an adoptive family with a pregnant woman or obtaining consent to adoption,” according to the Child Welfare Information Gateway. And this is part of what you’re paying for when you pay an accredited agency: You know that they’re legitimate, not a profiteer merely claiming to be able to connect you with birth parents.
Adoption is expensive because the process to legally adopt a baby requires the involvement of attorneys, social workers, physicians, government administrators, adoption specialists, counselors and more. While the adoption journey is an emotional one for prospective birth mothers and adoptive families, the adoption process is a legal function. Adoptions completed by fully licensed agencies are held to high ethical standards, which can mean more paperwork and higher costs.
"We have about 1,000 American families that have either adopted or are in the process of adopting children from the Democratic Republic of the Congo, but we can't get clearance for the kids to leave the country," Dempsey says. "We don't know why. We had about a dozen children die during this process. Right now, families are moving to the Congo to raise the children they've adopted"
There are many options out there for covering adoption costs. Some people have worked a second job, made significant cuts in their spending, or saved for several years in order to finance an adoption. Others have taken out loans, borrowed against their 401K, or taken advantage of an employer’s adoption benefits. Adoption grants are out there, but there are far more applicants than funds available, so grants cannot be counted on for funding. Finally, some people do fundraise, though within the adoption community, this has a very mixed reception. And remember, as you will see, some forms of adoption cost less than others. If you qualify for adopting from foster care, and that is something that fits your family, then it can be an affordable adoption option.
Again, this all comes down to protection and fulfilling the sacred responsibility that comes with caring for someone else’s child. Imagine if you gave up your own child. Do you think you just hand the kid over and say, ‘OK, you can be the parent’? Should it be that simple? No, you owe it to yourself and to your child to make sure this is the right decision, to make sure the new parents are good for that child, to make sure you’re not going to change your mind and jerk the poor kid back and forth between parents.