Just wanted to add something here I found interesting with our insurance provider. Yes, our children have been covered since day of placement, but with Emma (our 12 week old daughter) my husband's HR department told him that we would have to have a social security number by the six month or they would drop her from coverage. Of course, that is not possible, considering finalization will not take place until after six months. However, they were satisfied with us applying for the adoption taxpayer identification number and using that number until a permanent social security number is obtained.
Wanted to let others know that an adoption taxpayer identification number is not only good for the purposes of filing taxes. It actually proved very beneficial to us in this case as well.
Footnote: It takes approximately 6-8 weeks to obtain this number!
Hugs,
Melanie