Adopting and Advocating for the Special Needs Child: A Guide for Parents and Professionals

By L. Anne Babb; Rita Laws | Go to book overview

CHAPTER 8 Finances

I cannot afford to waste my time making money.

-- Agassiz

Agassiz may have been referring to an offer of money in return for some speaking engagements, but many special needs parents will tell you that they can't afford to waste time making money because they are too busy being mommies and daddies. And yet, special needs adoption is expensive. The adoption process is expensive, and raising children, especially children with disabilities, is expensive. That's the bad news.The good news is that there are many kinds of financial help available that make the costs affordable, even for middle-class families. There are two types of assistance, each of which will be discussed in this chapter--non-subusidy assistance and subsidy assistance. Parents must take the time to educate themselves about what is available. No one is going to hand them this important help on a silver platter.
SPECIAL NEEDS DEFINITIONS
Section 473(c) of the Social Security Act defines a child with special needs as one who meets the following conditions:
The child cannot or should not be returned to the home of his or her parents, and
The State has determined that (A) there exists with respect to the child a specific factor or condition (such as his ethnic background, age, or membership in a minority or sibling group, or the presence of factors such as medical conditions or physical, mental, or emotional handicaps) because of which it is reasonable to

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Adopting and Advocating for the Special Needs Child: A Guide for Parents and Professionals
Table of contents

Table of contents

  • Title Page iii
  • Contents vii
  • Foreword ix
  • Acknowledgments xi
  • Introduction xiii
  • PART I GETTING STARTED xv
  • Chapter 1 Special Needs Adoption in the United States 1
  • Chapter 2 Choosing the Type of Child You Will Adopt 23
  • Chapter 3 Finding a Child 41
  • Chapter 4 Preparing for Parenthood 51
  • PART II BECOMING FAMILY *
  • Chapter 5 Early Placement: What Parents Experience 65
  • Chapter 6 Early Placement: What Children Experience 77
  • PART III REALITIES *
  • Chapter 7 Living with Special Needs 89
  • Chapter 8 Finances 129
  • Chapter 9 Working with Educators and Schools 147
  • Chapter 10 Transracial Adoption 163
  • Chapter 11 International Special Needs Adoption 179
  • PART IV FOR BETTER OR FOR WORSE *
  • Chapter 12 When Things Go Wrong 191
  • CHAPTER 13 Special Needs, Special Situations 222
  • Appendix: Resources 223
  • References 243
  • Index 247
  • About the Authors 255
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