Aug 6, 2026 | Financial Insight

The bags are packed. The car is loaded. They’re ready to go.

For you, it’s bittersweet. You’re sad to see them leave, but excited for everything that’s ahead. This is a milestone you’ve been preparing for over the last 18 years.

As you’re checking off dorm supplies, meal plans, and move-in day logistics, there’s one important item that’s easy to overlook.

The day your child turned 18, something changed that catches many families by surprise. Even though they’re still your child, legally they’re now an adult. That means you no longer automatically have the right to access their medical information, financial accounts, or certain college records.

That can create challenges in situations you may never have considered. Here are a few circumstances that can arise once your child is living independently:

 

Your son is injured near campus. The hospital may be limited in what it can share with you.
Your daughter’s debit card is compromised. Even if you’re trying to help, the bank may only be able to speak with the account owner.
Your student begins to miss classes or struggle academically. The college may not be able to discuss the situation with you without permission.

 

Fortunately, some important legal documents can help ensure you’re able to assist your child once they turn 18, and we can help you put both in place.

 

✓ HIPAA Authorization & Healthcare Power of Attorney

Allows healthcare providers to communicate with you and, if necessary, make medical decisions for your child if your child is unable to do so.

✓ Durable Power of Attorney

Allows you to assist with financial and legal matters, whether that’s resolving a banking issue, signing documents, or handling other important matters while your child is away at school.

✓ One More Important Step: Complete the School’s FERPA Release

FERPA (the Family Educational Rights and Privacy Act) generally prevents colleges and universities from sharing academic records, billing information, and certain other student information without the student’s permission. Most schools provide a FERPA authorization form through the student portal or registrar’s office, so it’s worth completing before the semester begins.

 

Together, these simple steps can ensure you’re able to help if your student ever needs you.

Get Everything in Place Before Move-In Day.

If your family has a child or grandchild heading to college this fall or a young adult who recently turned 18, we’d be happy to help you put these important legal documents in place and answer any questions along the way.

Simply click reply to this email to get started.

Pin It on Pinterest

Secret Link