Sending a child to college comes with a long checklist: tuition, housing, meal plans, textbooks and countless dorm-room essentials. One important item, however, is often overlooked—legal planning.
When a child turns 18, parents no longer automatically have the authority to manage financial matters, access education records or make healthcare decisions on their behalf. That can create unexpected complications if the student becomes ill, is injured or simply needs help handling an important matter from home.
Before move-in day, families should consider several essential documents.
Durable Power of Attorney
A durable power of attorney allows a student to appoint a trusted person—often a parent—to assist with financial and legal matters. Depending on how the document is written, that person may be able to communicate with financial institutions, address insurance matters, sign documents or manage other practical responsibilities if the student is unavailable or unable to act.
Signing a power of attorney does not take away the student’s independence. It simply provides a reliable way for someone they trust to step in when needed.
Advance Medical Directive
An advance medical directive allows a young adult to name someone to make healthcare decisions if they cannot communicate or make informed decisions themselves. It may also document the student’s wishes concerning medical care.
Without the proper authorization, parents may have limited authority during a medical emergency—even when they are paying tuition or providing health insurance.
HIPAA Authorization
A HIPAA authorization can permit healthcare providers to share specified medical information with the people selected by the student. This can help parents communicate with doctors and understand what is happening during an illness or emergency. The authorization can be tailored to respect the student’s privacy while ensuring appropriate support is available.
FERPA Consent
College education records are generally protected under the Family Educational Rights and Privacy Act, commonly known as FERPA. Students may authorize their school to share certain information with parents or another trusted person. Families should also review the college’s own forms and procedures.
These documents are not about taking control away from a young adult. They are about creating a thoughtful safety net as that young adult begins living more independently.
Every family’s circumstances are different, and requirements may vary by state. An attorney can help ensure each document reflects the student’s wishes and is properly prepared before the semester begins.
This article is provided for general informational purposes and is not a substitute for individualized legal advice.
Anchor Legal Group
757-529-0000 | anchorlegalgroup.com
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