2008 Schedule
May 13. . .Little Rock, AR
May 13. . .Kansas City, KS /
Kansas City, MO
May 13. . .Tulsa, OK
May 13. . . Dallas, TX
Jun 3 . . . St. Louis, MO
Jun 7 . . . Orange County, CA
Jun 10. . . Little Rock, AR
Jun 21 . . .St. Charles, MO
Aug 5 . . . St. Louis, MO
Aug 5. . . .Kansas City, KS
Aug 12. . . Tulsa, OK
Sept 6. . . Orange County, CA
Sept 9. . . Little Rock, AR
Sept 16. . .Dallas, TX
Oct 4 . . . Orange County, CA
Oct 7 . . . St. Louis, MO
Oct 7 . . . Kansas City, KS
Oct 14. . . Tulsa, OK
Nov 11 . . .Dallas, TX
Nov 11. . . Little Rock, AR
Nov 15. . . Orange County, CA
Dec 2. . . .St. Louis, MO
Dec 9 . . . Tulsa, OK
Pre-Adoption
Workshops
2008 Schedule
May 17. . .Dallas, TX
May 31. . .Little Rock, AR
Jun 21. . . Orange County, CA
Aug 9 . . . Tulsa, OK
Aug 23. . . Wichita, KS
Sept 6 . . .Orange County, CA
Sept 13. . .St. Louis, MO
Sept 13. . .Little Rock, AR
Oct 11. . . Tulsa, OK
Nov 8. . . . Oklahoma City, OK
Dec 6 . . . Orange County, CA
Dec 6 . . . Tulsa, OK
Dec 6 . . . Dallas, TX
OFFICE HOURS (CST)
8:00 AM - 5:00 PM...Mon-Thurs
8:00 AM - 4:30 PM...Friday
LOCATIONS:
In Oklahoma -- main office
3227 East 31st Street, #200
Tulsa, OK 74105
Voice: 918/749-4600
Fax: 918/749-7144 Email this office
In Arkansas --
4702 W. Commercial Dr., #B1
North Little Rock, AR 72116 and
1882 North Starr Road
Fayetteville, AR 72701
Voice: 501/791-9300
Fax: 501/791-9303 Email this
office
In California --
18001 Irvine Blvd., Suite 101
Tustin, CA 92780
Voice: 714/734-8600
Fax: 714/734-8688 Email this office
In Kansas --
5934 East 10th Street
Wichita, KS 67208
Voice: 316/682-2595 Email this office
IIn Missouri --
1 First Missouri Center, #115
St. Louis, MO 63141
Voice: 314/576-4100
Fax: 314/453-9975 Email this
office
In Texas --
P. O. Box 2785
Coppell, TX 75019
Voice: 972/263-1539
Fax: 972/624-8241 Email this office
After choosing international adoption as the means to build your
family, the next biggest decision for many families is how to
finance their child's adoption.
You Don't Have to Be Wealthy
to Adopt!
More resources are available to families today-- from
corporations to foundation grants to government
assistance--which make adopting a child more feasible than
before. Some of the common ways that families have
underwritten part or much of their adoption expenses are listed
below along with other creative ideas that many of our adoptive
families have used to successfully cover their adoption
expenses.
Beginning in 2008, the U.S. federal government
is offering an adoption tax credit up to $11,650 to adoptive
families whose modified adjusted gross income is $214,730
or less on qualifying expenses paid for a child's adoption.
The maximum exclusion from income for benefits under your
employer's adoption assistance program has also increased to
$11,650. These amounts will be phased out if your modified
adjusted gross income (MAGI) is between $174,730 and $214,730. For more information on the federal adoption tax credit, click here
or download IRS Form
#8839.
In addition,
many states offer adoption tax credits or an income tax deduction
for families who are adopting a child. Please check with
a local tax accountant for possible tax credits and/or tax
deductions available to you from the state in which you reside. See
chart below for individual states' prospective reimbursement ofnon-recurring adoption expenses.
This information is being provided as a free community
service and should not be relied upon. We advise that
you first consult with your local tax professional for
verification of your state's potential adoption tax credits
or reimbursement of non-recurring adoption expenses.
Chart on Reimbursement of
Non-Recurring Expenses
State
Reimbursement
Amount
Alabama
$1,000 limit*
Alaska
$2,000 per child*
Arizona
$2,000 per
child
Arkansas
$1,500 per
child
California
$400 per
child
Colorado
$800 per
child
Connecticut
$750**
Delaware
------
District of
Columbia
$1,000
(uncontested) $2,000 (contested)
Florida
$1,000 per
child
Georgia
$2,000 per
child*
Hawaii
$2,000 per
child
Idaho
$2,000 per
child*
Illinois
$1,500 per
child
Indiana
$1,500 per
child (maximum)
Iowa
------*
Kansas
$2,000 per
child*
Kentucky
$1,000 per
child*
Louisiana
$1,000 per
child
Maine
$2,000 per
child (maximum)
Maryland
$2,000*
Massachusetts
$400 per
child
Michigan
$2,000 per
child
Minnesota
$2,000 per
child
Mississippi
$1,000 per
child*
Missouri
$2,000 per
child*
Montana
$2,000 per
child
Nebraska
$1,500 per
child*
Nevada
$250 per
child
New Hampshire
$2,000 per
child
New Jersey
$2,000 per
child
New Mexico
$2,000 per
child
New York
$2,000 per
child (maximum)
North
Carolina
$2,000 per
child
North Dakota
$2,000 per
child
Ohio
$2,000 per
child*
Oklahoma
$2,000*
Oregon
$2,000 per
child (including attorney fees)
Pennsylvania
$2,000 per
child
Rhode Island
$1,000 per
child
South
Carolina
$1,500 per
child
South Dakota
$1,500 limit
per child
Tennessee
$1,500 per
child
Texas
$1,500 per
child
Utah
$2,000 per
child*
Vermont
$2,000 per
child*
Virginia
$2,000 per
child per placement
Washington
$1,500
West Virginia
$2,000 per
child (maximum)
Wisconsin
$2,000 per
child (maximum)
Wyoming
$2,000 per
child
* - These
states will consider reimbursement of
nonrecurring adoption costs for international
adoptees. Other states may have provisions
for covering international reimbursement
expenses. Contact your state subsidy
representative for more information.
** - These
states will NOT consider reimbursement
of any international adoption non-recurring
expenses
Source: North American
Council on Adoptable Children (NACAC), 1998
Active-duty military families may be reimbursed up to
$2,000 in eligible adoption expenses. Please contact your specific branch
of the military or download the following information
from the National Military Family Association.
Every day we learn about new grant programs through our
adoptive families which offer funds to help defray adoption expenses. Some
of the programs that we recommend:
Shaohannah's Hope, a foundation established by Steven Curtis Chapman and
Mary Beth Chapman to provide information and assistance to families interested
in adopting.
China Care Foundation,
created to assist American families interested in adopting Chinese
children, to provide support to orphans with special needs and the families who
adopt them, and to improve orphan care in China.
Download CCF's financial aid application.
Affording Adoption, a
website created by a Dillon adoptive mom, which lists additional grant
resources, loan opportunities and fundraising ideas for families to consider.
LifeSong for Orphans, (formerly known as Life International.) encourages God's people to adopt a child by relieving some
of the financial burden of international adoption. They provide adoption
matching grants from $1,000 - $4,000 per child. Visit their website or
call 309/747-3556 or
email for more information.
HelpUsAdopt.org is
a new national financial grant program established by an
adoptive family desiring to help other families to afford
adoption. The program will begin accepting applications
from qualified couples & individuals beginning November 1, 2007.
Grants will range from $500 to $15,000 dependent upon need.
Visit their website or call 917/684-5484 or
email for more information.
Gift of Adoption Fund
is a publicly funded adoption grant program created in 1996 by
an adoptive family to help other families to afford adoption.
The fund awards grants in the form of a subsidy to assist
adoptive families with the costs associated with adopting a
child. Gift of Adoption fund has helped more than 300 children
from around the world find permanent homes, awarding over $1
million in grants.
Dillon International offers
the Building Families Fundto help families, who
qualify for financial assistance, with their adoption
and to help children with special needs to find a permanent
family. This fund was established by several Dillon adoptive families who
wanted to share their joy in adoption with other families, who
might not have the financial resources to realize their dream of
building a family. They also created the fund to help children
with special needs become more accessible for adoption.
This fund is only available to families who are adopting through Dillon
International.
The average grant with the
Building Families Fund is $2,000,
but may be less or more depending upon an individual family's need.
If you are interested in adopting
through Dillon International and would like more
information about qualifying for a Building Families Fund grant, please
contact Dillon's office
via email or call 918/749-4600.
Some adoptive families have utilized
a bank loan or a line of credit to assist them with their adoption expenses.
While borrowing money for an adoption
may not be an adoptive family's first choice, adoptive families may find a loan
helpful in covering the large and immediate adoption expenses especially if they
will be able to repay the loan quickly with a tax credit or an employer's
adoption benefit reimbursement. Several possible loan sources include:
HOME EQUITY LOANS. Interest rates often are
reasonable and the interest is tax deductible. Just remember, you're putting
your home at risk.
INSURANCE. You may be able to borrow from the cash
value of your life insurance policy.
LOW-INTEREST LOANS. Some banks offer low-interest
loans or credit lines for adoptive parents.
PRIVATE GRANT AND SPECIAL LOAN PROGRAMS.
The
National
Adoption Foundationoffers adoption grants
and low-interest loans, both home equity and unsecured, to
qualified adoptive families. Visit their website for
more information and how to submit an application. Lifetime Adoption offers a simple loan program to
qualified families with average credit. There are no
upfront fees. Families may repay the loan at any time
and can finance the loan up to five years. Visit their
website or call
530/271-1740 to receive an application via fax or email.
RELIGIOUS ORGANIZATIONS.
Many church congregations welcome the opportunity to help
fellow church members adopt a child from another country by
organizing community fundraisers or by offering a cash gift
to help cover adoption expenses. The Hebrew Free Loan Association offers Jewish families
interest-free loans to adopt domestically or
internationally.
RELATIVES. Although it may
be uncomfortable to ask family members for money,don't overlook the potential generosity of extended family
members who might be waiting for an opportunity to help out
with your adoption in order to be a part of making your
dream a reality.
CREDIT CARDS &
RETIREMENT ACCOUNTS. Two other possible sources to use for adoption
expenses are credit cards and loans on retirement accounts, such as 401(k)s and
profit-sharing plans. Credit cards are an easy source of cash, but
typically charge high interest rates. Loans on retirement plans offer
somewhat lower interest rates; however, if either spouse loses or changes jobs
and the loan cannot be repaid within a short period of time, the loan becomes a
taxable withdrawal with an additional 10% early withdrawal penalty fee.
Although tempting to use, adoption loans by credit card or on retirement
accounts should be considered only as a last resort.
Many companies offer adoption benefits to their employees which may range from financial assistance
for their adoption expenses to paid/unpaid parental leave. The
National Adoption Center has compiled a list of
companies who
provide adoption benefits. Please
check to see if your company has been listed or contact your company's human resources
department for more
information on potential adoption benefits available to you.
If your employer doesn't currently offer adoption benefits, and
you would like to lobby for the addition of this benefit to your
employer's benefit plan, The National Adoption Center also offers
a FREE "Adoption-Friendly Workplace Guide" on its website, which offers many helpful suggestions
on how you might approach your employer to have this benefit
added to your employee benefit plan.
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