Loophole Baby

It seems as though baby #3 is our "loophole baby" - benefits-wise, that is. Since the birth of a baby is a qualifying event to be able to add funds to a medical flexible spending account, but it can't be done before the baby is born, and the baby is being born (presumably) after Joel gets his last 2011 pay check on December 1 but before 2012, and the funds are not allowed to be taken out of 2012 pay, we get a free baby. What? Yes that's confusing. But apparently, the $2,000 or so that we were expecting to pay out of pocket for the C section/ hospital stay is going to be fully covered because of this odd loophole wherein Joel is entitled to elect the extra funds for the flexible spending account but his employer has no legal way to be able to accomodate. So.... FREE BABY!