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Well if she doesnt have insurance and the birth goes fine, you can expect to pay about 3,000 for her medical expences. Most times, though the medical expences are not reqired, but it is something I hope that you would do for her. As for living expences, the agency I went through allowed up to 1000. The living expences also include maternity clothing, grocery, phone. I think that 1000 is reasonable because ideally she will only be missing a couple weeks of work- assuming she's working. The adoptive couple that I chose basically paid the bills for the time I was out of work close to the dollar amount my check would have been had I been able to work those 2 weeks. I would set aside what you think is resonable for her, but yes, be leary about handing out money- Tobeafamily is right, these are non-refundable if she changes her mind.