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Surrogate Pay & Benefits

Competitive Compensation and Benefits

Mother and Baby on Floor


Welcome to Smart Surrogacy's comprehensive and detailed guide on surrogate compensation and benefits, where we prioritize and celebrate the exceptional uniqueness of each surrogate. At Smart Surrogacy, we firmly believe that no two surrogates are the same. We understand that every surrogate brings to the table a distinctive set of circumstances, life experiences, and personal aspirations. Our commitment to you is unwavering, and we want you to know that your individuality is at the heart of our approach.

In this guide, we delve deep into the intricacies of surrogate compensation and benefits, unveiling our flexible and highly personalized approach that is tailored to align seamlessly with your specific needs and experiences. We are dedicated to making your surrogacy journey not just exceptional but also immensely rewarding, ensuring that every step of the way is a reflection of your unique path and aspirations. With Smart Surrogacy, your surrogacy journey is not just a journey; it's a deeply personal and extraordinary experience.

Surrogate Compensation

USA and USA - Canada Hybrid Surrogacy

At Smart Surrogacy, we firmly grasp the fact that surrogate compensation is far from a one-size-fits-all concept. Each surrogate enters this journey with her own unique circumstances, experiences, and needs. That's why we take an incredibly personalized approach when it comes to determining compensation. Let's delve deeper into the comprehensive factors that play a pivotal role in shaping surrogate compensation at Smart Surrogacy.

First-Time Surrogates:

First-time surrogates hold a special place in the heart of Smart Surrogacy. We deeply understand that embarking on a surrogacy journey for the first time can be both exhilarating and full of uncertainties. Our compensation structure reflects our unwavering commitment to ensuring that first-time surrogates are not only recognized but also fairly rewarded for their invaluable contribution to this life-changing journey. Typically, first-time surrogates can expect a generous total compensation package ranging from $50,000 to $80,000 or potentially even more. This comprehensive package encompasses base compensation and a host of additional benefits meticulously designed to cater to your unique needs and circumstances.

Experienced Surrogates:

For experienced surrogates who have previously undertaken surrogacy journeys, our compensation structure is a testament to the wealth of knowledge and experience you bring to the process. Your expertise and unwavering dedication are held in high regard, and we firmly believe that your compensation should mirror that sentiment. Experienced surrogates at Smart Surrogacy typically enjoy a comprehensive total compensation package ranging from $60,000 to $110,000 or potentially even more. This generous compensation comprises base compensation and an extensive array of additional benefits, all aimed at making your journey as profoundly rewarding as possible.

In summary, determining surrogate compensation at Smart Surrogacy is an intricately considered and personalized process. We carefully take into account your unique circumstances, location, insurance coverage, and experience level to create a compensation package that not only values your extraordinary contribution but also supports you every step of the way. Our ultimate goal is to make your surrogacy journey a profoundly fulfilling and financially rewarding experience for you while bringing immeasurable joy to the intended parents.

Routine Checkup
Pregnant Woman

Base Compensation

Base compensation serves as the sturdy foundation upon which your total compensation is meticulously constructed. The specific amount of your base compensation may naturally vary depending on several key factors, including:

  • Location: We acknowledge that the cost of living and regional considerations can play a significant role in determining your base compensation. We take into account where you are located to ensure that your compensation aligns harmoniously with local economic conditions.

  • Insurance Coverage: Your insurance status is yet another critical factor that can influence your base compensation. If you possess insurance coverage that can be applied to the surrogacy journey, this may have an impact on the overall compensation package.

  • Experience: Regardless of whether you are a first-time surrogate or carry prior surrogacy experience, your base compensation is meticulously tailored to your unique situation. We recognize that your experience level brings forth distinct advantages to the journey.


Our commitment to your well-being goes beyond monetary compensation. We provide an extensive range of benefits, including:

  • Lost Wages: We wholeheartedly understand that participating in a surrogacy journey may necessitate taking time off work. Rest assured, we provide compensation to cover any lost wages, ensuring that your income remains steady throughout the journey.

  • Housekeeping: Pregnancy can be physically demanding, and we want to ensure that you have the support you need. Therefore, housekeeping expenses are included in your compensation to alleviate the daily responsibilities during pregnancy.

  • Insurance Coverage: Your well-being throughout this journey is non-negotiable. Therefore, we make certain that surrogates have surrogacy-friendly insurance coverage, offering comprehensive support in various aspects, including:

    • Prenatal Care and Birth: Your insurance will comprehensively cover the costs of prenatal care and the birthing process, ensuring that you receive the best medical care during your pregnancy and delivery.

    • Life Insurance: You will enjoy life insurance coverage to provide financial security for both you and your loved ones in the event of unexpected circumstances.

    • Total Disability Insurance: In the unlikely event that you face a disability during your pregnancy that prevents you from working, this insurance will provide you with vital financial assistance during that challenging period.

    • Bed Rest Loss of Wages: If bed rest becomes necessary during your pregnancy, resulting in wage loss, this insurance will effectively offset the income loss.

    • Housekeeping Insurance: To provide further support, we have housekeeping insurance in place to cover any additional expenses related to maintaining your household while you are pregnant.

    • Major Organ Loss Insurance: Additionally, we provide coverage for major organ loss, offering you financial protection in the exceedingly rare event of such an occurrence.

  • Additional Benefits: Beyond financial compensation, we offer a plethora of non-monetary benefits, including:

    • Social Work Support: Access to professional social work support to address any emotional or psychological needs during the surrogacy journey.

    • Legal Counsel: Legal guidance and support throughout the surrogacy process to protect your rights and interests.

    • Clothing: Assistance with clothing expenses to ensure your comfort and well-being throughout the pregnancy.

    • Nutrition: Support for maintaining a healthy diet during pregnancy, including guidance and resources.

    • Gifts Throughout the Pregnancy: Thoughtful gestures and gifts to make your journey as a surrogate special and memorable.

  • Invasive Procedure Coverage: Any necessary medical procedures related to the surrogacy journey will be comprehensively covered, ensuring your health and safety.

  • Spouse Loss of Wages: If your spouse or partner experiences loss of wages due to your surrogacy journey, we provide compensation to help mitigate this financial impact.

Your well-being is our paramount concern, and we are wholeheartedly dedicated to providing you with comprehensive support, both financial and non-monetary, to ensure a positive, fulfilling, and rewarding surrogacy experience. We will work closely with you to tailor these benefits to your unique situation and needs.

Young Mother
Mother and Son on Yoga Mat

Timeline of Payments

Our commitment to your well-being extends throughout the entire surrogacy journey, from the very beginning to the end. Here's a breakdown of how we provide financial support at various stages:

  1. Pre-Pregnancy Compensation: Even before conception occurs, you will receive compensation for essential tasks such as contract signing, thorough medical screening, and the intricacies of the transfer process. We want you to feel valued and supported right from the start.

  2. Monthly Compensation: Once the beautiful journey begins and the heartbeat of the baby is confirmed, you can count on us for monthly compensation. We believe in recognizing and appreciating your dedication throughout the pregnancy, ensuring that your financial stability remains intact.

  3. Additional Payments: As your pregnancy progresses and you achieve significant milestones, we are ready to celebrate your accomplishments with additional payments. Your hard work and commitment are duly acknowledged and rewarded.

  4. Post-Delivery Compensation: The journey doesn't end with childbirth. We understand that postpartum recovery and continued support are crucial. Hence, our program ensures that you continue to receive compensation and assistance even after the baby's arrival.

Surrogate and Family Pay

At Smart Surrogacy, we deeply understand the significance of not only fairly compensating our surrogates but also safeguarding the well-being of their families and support persons. Our comprehensive Pay & Family Protection Program goes above and beyond to ensure that you are not only financially compensated but also supported throughout your surrogacy journey. Here's what our program entails:

Tailored Compensation Plans: We recognize that each surrogate's circumstances are unique. That's why we take the time to carefully craft compensation plans that are tailored to your specific needs and requirements. Your well-being and financial security are at the forefront of our considerations.

Lost Wages Coverage: We understand that embarking on a surrogacy journey often requires the commitment and support of your travel companion or other individuals who are important to you. To ensure that your support network is acknowledged and fairly compensated, we provide comprehensive lost wages coverage. This means that those who stand by you during this journey will not be left financially burdened.

Flexibility: Life is unpredictable, and we acknowledge that your needs may change during the surrogacy process. Smart Surrogacy prides itself on being flexible and responsive to any additional requirements or unforeseen circumstances that may arise. Your peace of mind is paramount to us, and we are committed to adapting to your evolving needs.

Family at a Beach
Sleeping Baby

What Our Surrogates Say

Happy surrogate mother celebrating the financial benefits of our surrogacy program.
"This agency is amazing! I love how Amber understands me and answer all of my questions and concerns. I'm a first time surrogate and so far my journey is going great! I would recommend this agency to anyone who asks me what agency I'm doing my surrogacy journey with! Thank you Amber for everything that you are doing for me and my intended parents for choosing me as their surrogate ❤️❤️"
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