Hi
I do agree that the adoption pay rules are not good, and it IS very unfair. It can make it much harder if you are self employed
However, taking 6-12 months off work is the rule for every single agency in the country. In a very few cases some people start working again after say 3-4 months but they are really in the minority and they tend to have jobs that they go to while their child is in school or they do some work at home, but the kind of work you can fit around your child more g. marking exam papers. And in those cases, SS will only have supported them after they had visited the home and reviewed how the placement was going.
Honestly, if you can't take at least 6 months off work, then you won't be accepted to adopt with anyone. Quite a lot of agencies say 12 months, but I think there are enough who have 6 that you should be able to find one (I think)
I am a single mum without a lot of money so I do understand the financial worries and the need to be earning money. If money is tight, you have to find ways to squirrel away as much as possible to ease the months off work.
However there is a very good reason why adoptive parents mostly need to be off work for 6-12 months at least. So I do support the off-work rule with exceptions in a few cases where the child has settles very well.
A child placed for adoption has suffered enormous instability, and many have suffered neglect/abuse. The move to an adoptive parent means ripping them away from everything they know for at least the second time. It's frankly terrifying and confusing, and many children grieve and regress and a whole host of other things. Adopting is not like having a birth child and adoptive parents have to adjust their plans and expectations accordingly. In the first months to a year, the child is usually very insecure, and they really really need their parent focussing on them in a pretty low key evironment. They need lots of time 1:1 to start feeling more secure. The majority of waiting children just would never cope if you tried to work again after only 6 weeks, you would wind up with them regressing and seriously struggling.
Childminding will be very hard on a child who is feeling insecure - other children create noise, mess, they need attention. It's the kind of environmnent that tends to heighten anxieties and insecurites.
After 6-12 months you have to reasses the situation based on how your child is doing and your financial situation. Most adoptive parents who want or need to work return after a year, but some dont (like me) because the children still obviously cannot cope with anything less than the full attention of a non-working parent