What Every Parent of an 18-Year-Old Needs to Know This Graduation Season

Graduation season is here, and it’s a time filled with excitement, milestones, and plenty of to-do lists. From ordering the cap and gown to planning summer celebrations and getting ready for college or the workforce, there’s so much to think about.

But there’s one important step that often gets missed, and it might just be the most critical thing you do for your child as they step into adulthood.

Once your child turns 18, you no longer have the legal authority to access their medical or financial information without their permission. That means in an emergency, you could be left in the dark.

Let’s change that.

The 3 Legal Documents Every Young Adult Should Have

In the eyes of the law, an 18-year-old is an adult. Even though you may still be supporting your child emotionally, financially, and in every other way, you no longer have automatic rights when it comes to making decisions or accessing information.

If your child is injured or hospitalized and unable to speak for themselves, doctors legally can’t share any details with you unless certain documents are already in place

Here’s what your child needs to sign once they turn 18:

1. Health Care Proxy

This document allows your child to name someone, typically a parent or trusted adult, to make medical decisions on their behalf if they’re unable to.

2. HIPAA Authorization

This form gives doctors permission to share information with you or anyone your child designates.

3. Durable Power of Attorney

This document gives you the ability to assist your child with financial or legal matters, such as managing a bank account, speaking with a landlord, or paying tuition, if they are unable to handle these tasks themselves.

Real-Life Scenarios Where These Documents Matter

• Your child is in an accident and unconscious. The hospital won’t release information to you without a HIPAA release or health care proxy.
• Your child travels abroad and loses access to their bank account. Without a durable power of attorney, you can’t call the bank to help.
• They’re dealing with a mental health crisis and unable to make decisions: you’re legally powerless without the proper legal documents.

We know these things are worst-case scenarios and can be difficult to think about, but the peace of mind that comes from being prepared is invaluable.

Helping your child put these documents in place is a powerful way to support their independence and show them you’re still in their corner. It’s a gift of preparation, protection, and peace of mind…for you and for them.

Ready to Take This Important Step?

🎓 If your child is 18 or graduating this spring, let’s make sure they’re protected and prepared.

Contact us and we’ll walk you both through the process with care.