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Family Building Benefits

There are many different paths to becoming a parent. To support your journey, BMO offers reimbursement for eligible adoption, surrogacy, and fertility-related expenses.

How it works

BMO will reimburse you for eligible adoption, surrogacy, and fertility-related expenses up to $20,000, even if both parents work for BMO.

To be reimbursed for qualified adoption, surrogacy, and fertility-related expenses, submit a Family Building Benefit Reimbursement form with the applicable documentation to BMO U.S. Benefits. Once approved, the reimbursement will be part of the next regularly scheduled payroll.

Growing your family? Be sure to update your beneficiary designations.

You must submit your reimbursement request within six months after an adoption is final or of your child’s birth.

The following expenses are eligible for reimbursement:

Family Building Event Eligible Expenses
Adoption
  • Legal expenses and court fees
  • Adoption agency fees
  •  Expenses related to transporting the child home from another country, including expenses incurred by the adoptive parent(s)
Surrogacy
  • Legal expenses and court fees
  • Agency or cryobank fees
  • Donor material
  • Travel costs for gestational carrier or intended parent(s)
  • Medical and prescription costs for donor and/or gestational carrier (if not covered by a health plan)
Fertility
  • ·Medical and prescription costs (if not covered by a health plan)
  • Cryopreservation
  • Reciprocal IVF

Important Forms/Docs

Family Building Benefit Request for Reimbursement
(accessible only from the BMO network)

Family Building Benefit Operating Procedure  
(accessible only from the BMO network)

Need assistance?

The Human
Resources Centre

1-888-927-7700

Monday – Friday, 8 a.m. – 5 p.m. CT.