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I am in Virginia. We actually got MORE in our adoption subsidy than we did as foster parents. We also get Medicaid, and daycare assistance. VA is a pretty generous state though for special needs adoptions.
I would push the issue for sure. RAD is serious stuff. Years of toting her back and forth to therapy, having your belongings ruined, her ruining family outings half way through, etc. (those things may not happen, but you never know!)
Not to mention parenting a child with RAD often lasts WELL after that 18th birthday, when the check stops. What if she needs residential living in the future? Can you go back and ask for her stipend to be re-evaluated to cover anything medicaid won't cover? Those are all realistic considerations... because 10 with RAD isn't going to be a very pleasant parenting experience. It's going to be a LOT of work... and that stipend covers that WORK that you and your family will be doing to help your daughter heal.