Surrogacy insurance
If you don't have a surrogacy-eligible policy, CBS provides one — covering all prenatal, delivery, and postpartum care.
$0 out-of-pocket for medical
Surrogate compensation
Generous compensation, structured for your peace of mind.
A 12–18 month commitment deserves clear answers. Below is the total compensation you can expect, when payments arrive, and the support that comes with it — including insurance, reimbursements, and mental health resources at no cost to you.
Compensation safeguards
Held in independent trust
All compensation is held by SeedTrust escrow — paid milestone-by-milestone, not contingent on agency cash flow.
Direct deposit, on schedule
Stipends auto-deposit on the 1st; milestone bonuses within 5 business days of the trigger event.
No clawback clauses
All compensation paid is yours — no agency cuts, no retroactive deductions, no contingent payback.
What's covered
Eleven distinct items in your compensation schedule.
Below is the complete list of items in your compensation schedule. Specific amounts are confirmed in your personalized written compensation schedule after intake — see FAQ "Why no per-milestone breakdown?" for context.
- Surrogate base compensation
- Signature bonus at contract signing
- Injectable medication start fee
- Embryo transfer
- Pregnancy confirmation
- Heartbeat confirmation bonus
- Monthly allowance
- Surrogate travel expense
- Individual psychological counseling
- Maternity clothing
- Housekeeping allowance
- And other allowances and actual expenses
Pacing of payments
When you receive what — across your journey.
Compensation is structured around milestones — never a single lump sum at the end. You receive direct deposits throughout the 12–18 month journey, with the bulk concentrated in the pregnancy phase. Cumulative percentages below are typical pacing.
Week 4–12
Contract activation
Tranche 1 of 9 — paid via SeedTrust within 5 business days of mutual confirmation.
~3%
Cumulative
Week 12–20
Medical preparation begins
Tranche 2 — cycle preparation phase.
~6%
Cumulative
Week 22–26
Embryo transfer
Tranche 3 — transfer day phase.
~12%
Cumulative
Pregnancy week 6
Pregnancy and heartbeat confirmation
Tranche 4 — monthly schedule begins.
~16%
Cumulative
Pregnancy week 12
First trimester complete
Tranche 5.
~24%
Cumulative
Pregnancy week 20
Mid-pregnancy and base tranche
Tranche 6 — base compensation begins flowing.
~50%
Cumulative
Pregnancy week 28
Third trimester and base
Tranche 7 — base compensation continues.
~75%
Cumulative
Delivery
Delivery and final base tranche
Tranche 8.
~95%
Cumulative
6 weeks postpartum
Postpartum recovery milestone
Tranche 9 — final payment after recovery confirmed.
~100%
Cumulative
Each tranche size is set in your personalized written compensation schedule (provided after the intake call) — adjustable within reason for cash-flow needs. The cumulative percentage shown is typical pacing.
Beyond compensation
Things often hidden by other agencies.
Compensation isn't the whole story. Below are the things you receive in addition — most of which other agencies fold into base compensation or charge separately to intended parents.
Reimbursements
Travel · meals · childcare during medical visits · maternity clothing — submit receipts via your portal, reimbursed within 7 days.
Documented & non-taxable
Mental health support
Free pre-screening with a licensed counselor, ongoing access during pregnancy, and postpartum check-ins. Bilingual (EN / Mandarin).
Free, on-demand
A coordinator who speaks your language — and theirs
Whether you speak English, Spanish, Mandarin, or Cantonese, your coordinator does too — and so does the line to your intended parents' family. No awkward miscues at the most personal moments.
4-hour response in your time zone
Common questions
Compensation FAQ.
Don't see your question? Ask in your free 30-minute intake call.
Two reasons. (1) Every surrogate's compensation is different — actual amounts vary by your state of residence, prior surrogacy experience, medical insurance situation, individual contract terms, and case-specific factors. Publishing fixed line-item amounts would either mislead you about what your compensation will be, or force us to inflate every line as a buffer. (2) Per-milestone breakdowns get used against surrogates — when one piece of your compensation becomes public, other agencies use it as a ceiling in negotiations. We protect your negotiating room by publishing the 11 items in your scope plus a total range, then giving you a personalized written compensation schedule after your intake call — itemized and locked at contract signing.
Important
A note on taxes.
Surrogacy compensation is taxable income. CBS issues the appropriate IRS tax form each January for the prior tax year. Reimbursements (travel, meals, childcare during medical visits) are typically not taxable when properly documented as expense reimbursement. Tax treatment varies by your state of residence and individual circumstances. We strongly recommend consulting a Certified Public Accountant familiar with surrogacy income before your first compensation payment — many CPAs offer free 30-minute intro calls.
This is general information, not tax advice. CBS is not a tax preparer or financial advisor. Consult a CPA for guidance specific to your situation.
Ready to apply?
The full application takes about 30 minutes online. Your coordinator reaches out within 5 business days with a personalized compensation schedule based on your situation.