FREQUENTLY ASKED FINANCIAL QUESTIONS
Q: When Do We Have to Pay?
A: There are four major invoicing events: First, at the time an Intended Parent signs on with CFC for the surrogacy journey. Second, at the time of the match to the GC after signing on. Third, at the time the GC Agreement is complete and the Escrow Agreement is drafted, when you will be asked to fund the Escrow account that is set up on behalf of the GC. Fourth, at approximately the 15th week of pregnancy, when CFC will invoice for the legal work required to establish parentage and for the hospital birth plan. Should the surrogacy expense account dip below a set amount, or should additional services be needed (e.g., Surrogacy Expense Account or subsequent embryo transfer fees), CFC will invoice you at that time.
Of note: If you need to gather any assets together to pay the invoice at the time of the match, you are encouraged to begin the process well before the anticipated match time, as it can sometimes take a significant amount of time to liquefy assets. Although matching times vary, it could happen faster, if circumstances align such that the perfect match becomes possible sooner rather than later. Should you be fortunate enough to have a “fast match”, you will not be able to proceed with the next steps in the process (e.g., GC screening and contracts) until the funds are paid towards the match invoice.
Q: What is the CFC Gestational Carrier Guarantee Program?
A: All clients using CFC’s matching services qualify automatically for our complimentary Unlimited Gestational Carrier Guarantee Program. The Program entitles a client to unlimited rematches to a new gestational surrogate if the client’s reproductive endocrinologist initially gives medical approval of the surrogate based on her full IVF Center medical screening, but then disqualifies her later in the process. Specifically, the Guarantee Program assures that if CFC matches a client to a surrogate who passes screening but a successful pregnancy does not result, and the client’s reproductive endocrinologist determines that a new surrogate is needed, the client will be entitled to an unlimited number of surrogate rematches, without incurring any additional match fees. The Guarantee Program makes certain that even after a gestational surrogate passes her medical and psychological screening, signs a surrogacy contract, and completes an embryo transfer, if a reproductive endocrinologist subsequently determines that she needs to be replaced, the intended parents will not be faced with the decision of whether to end their surrogacy journey due to money constraints.
Q: What is the Surrogacy Expense Account, and why is it $20,000?
A. Collected in two parts (half due at initial signing, half due at selection of GC candidate), the Surrogacy Expense Account is used to cover your GC’s actual expenses, such as travel to IVF Center, monitoring expenses at local IVF Center, ancillary medical procedures such as C-section, D&C, etc., and actual lost wages for screening, embryo transfer, and post-delivery for two weeks following a vaginal delivery. Please note that at many agencies, these ancillary costs may not be added into your projected cost estimates up front, or may not be realistically predicted. We believe in planning for these costs up front and drawing from your Surrogacy Expense Account to cover them rather than repeatedly invoicing you for unexpected expenses during your surrogacy journey. Any overage not needed to pay for actual expenses incurred by your GC will be refunded to you!
Q: What do Support Fees Cover or What are Support Fees?
A: Support fees represent the work that CFC does on your behalf to steward the surrogacy journey, such as paying reimbursements to GCs or to providers, coordinating travel for the GC and/or IPs, coordinating clinic schedules, etc. A large part of CFC’s role is to facilitate the journey so that it is as stress-free and happy as possible. Throughout the process, a dedicated case manager will be in touch on a regular basis, letting the Intended Parents and Gestational Surrogate know what will come next, and guiding them through each step. Should your surrogate have an issue with a medical bill, your case manager will handle it. Should your surrogate need to be reminded about travel restrictions into non-surrogacy friendly states once she achieves a viable pregnancy, your case manager will remind her. This frees the Intended Parents up to concentrate on being a positive, encouraging support system for their GC. CFC earns its support fees at three key milestones during the journey: At the time the GC is screening; At the time of cycling and the 1st embryo transfer; and at the time of pregnancy (throughout). Our support services take care of many of the logistical aspects of the journey that you would otherwise have to navigate on your own. It is one of the greatest benefits to partnering with us: our experience in managing the daily requirements of a surrogacy journey, which can be quite complex. We worry about the details so the participants can enjoy the process!
Q: Tell Us about the GC Agreement and Why Do We Have to Get the GC Her Own Lawyer?
A: When Intended Parents choose to partner with CFC on a surrogacy journey, they become our client. And, as a law firm, all that we do is governed by attorney/client privilege. Consequently, it would be a conflict of interest for us to represent both the Intended Parents and the GC in the surrogacy. Therefore, she needs the representation of her own legal counsel. In fact, the American College of Obstetricians and Gynecologists endorsed this in its recent Committee Opinion (March 2016)
 It is recommended that every gestational surrogacy arrangement be documented by a signed, written preconception agreement in which all parties participate voluntarily, transparently, and in good faith. Conversations that include the gestational carrier and intended parent(s) and are facilitated by independent, appropriately qualified legal counsel should clarify what medical information may be shared between the intended parent(s) and the gestational carrier and what information is to remain confidential (6). These mutual decisions regarding disclosure of information discovered in the course of treatment should be included in the written preconception agreement to provide guidance to the treating physician. Such written agreements are equally important in arrangements that involve gestational carriers who are friends or family members of the intended parent(s) (10)
Q: How much coverage does the Life Insurance for the GC provide?
A: It is typically a $250,000 policy. On occasion, gestational carriers may request a higher policy.