Last updated on Feb 17th, 2021 at 10:13 am
When you leave the hospital, you’ll be carrying your new baby in one hand and a pile of paperwork in the other. Although it can feel overwhelming to manage a mountain of admin while caring for a newborn, the good news is that you can complete each task one step at a time and tick the items off your baby-admin checklist below as you complete them.
Baby-admin checklist before baby is born
Visit possible schools in your area
It takes time to visit schools, chat to teachers and assess the environment, so it’s wise to look before you have a new baby to take care of. Plus, most schools these days, particularly private schools in South Africa, encourage you to put your child’s name down as soon as possible before or after the birth. The sooner you apply, the greater the chances are that your child will be accepted into the school of your choosing as most schools run on a first- come, first-serve basis.
Review your life cover
“You might have had a life policy in place for you and your partner, but now is a good time to call your advisor and complete a new needs analysis”, says Johannesburg -based Independent Financial Advisor, Luc Orlando. You’ll more than likely need to have your life and disability cover increased to allow for the upkeep of the new addition to the family.
Draw up a will
It’s never nice to consider what will happen to your child if you or your partner dies, but having a will in place is essential as you’ll need to consider who will take care of him, what will happen to the household assets, and who will distribute all your possessions. To draw up a will, you can either go through a financial trust company such as Momentum Trust, your bank, or an attorney. In the interest of saving money, consider a trust company as these entities only charge about R500 to draw up a will, whereas attorneys can charge up to R2 000. However, an attorney will be able provide additional guidance, including how to choose a guardian for your child and whether you need an executor to help manage your money and possessions.
Register on your medical aid’s prenatal programme
If you haven’t yet signed up with a medical aid, make sure that you join one that will cover your pregnancy, says Luc. The good news is, most medical aids have a prenatal benefit that covers the cost of the medical services associated with your pregnancy, including doctor visits, scans and the birth itself, explains Luc. Some medical aids also include additional benefits such as access to midwives and nurses as well as discounts on baby items when registering on their programme.
Update your household insurance
Your household insurance should cover all the items in your home. After you’ve finished your baby’s nursey and bought all the necessary baby products, it’s a good idea to contact your broker or insurer and let them know the estimated cost of all additional items in the house, says Luc.
Baby-admin checklist after baby arrives
Register your baby’s birth
The South African law stipulates that you need to register your baby’s birth within the first 30 days of his birth. In some cases, private hospitals such as Parklane in Johannesburg offer an in-house service where you fill out all the relevant forms and they take care of this registration process for you. However, if you need to do this yourself, simply register the birth at your nearest Department of Home Affairs. All you’ll need to take with is your baby’s clinic card or hospital certificate as well as your and your partner’s ID documents. After registering your baby, you’ll receive an unabridged birth certificate that you’ll need later for his ID and passport.
Review your medical aid cover
As soon as your little one is born, you’ll need to notify your medical aid so that your child can be included as a dependant on the scheme you’ve chosen. If you’d like to upgrade your medical aid to cover any additional healthcare costs, or you’re considering switching to another medical aid, it’s important to note that all medical aids run on a calendar year from 1st January to the 31st December. A member may only upgrade their plan on 1st January each year, says Luc. It’s also not possible to upgrade your benefits during the year. If you decide to switch from one medical aid to another to improve your cover, the new medical aid may impose restrictions on the cover for any pre-existing health conditions you or your child may have. To prevent this, do your homework and assess which medical aid scheme will best suit your family’s needs.