Key Legal Documents Every 18-Year-Old Needs

The Shift to Adulthood: What Changes at 18

Turning 18 is a big milestone for any young adult. It marks the transition to legal adulthood, a time filled with both excitement and newfound responsibilities. However, one crucial change often overlooked is that parents and guardians no longer have automatic access to their child's medical, financial, and academic records. This shift can pose challenges if not proactively addressed through legal documentation.

Setting Up a Durable Power of Attorney

A Durable Power of Attorney is a critical document that authorizes parents or guardians to manage their adult child's financial matters should they become incapacitated. Without this, financial decision-making can face delays, resulting in missed bill payments or unmanaged financial accounts.

Medical Power of Attorney: Essential for Emergencies

This document allows parents to make medical decisions if their adult child cannot do so themselves. In emergencies, where every moment counts, having a Medical Power of Attorney ensures that legal hurdles do not delay critical medical decisions.

HIPAA Authorization: Staying Informed About Health

Once a child is 18, parents lose automatic access to their medical records. A HIPAA Authorization allows them to access medical information and collaborate effectively with healthcare providers on diagnosis or treatment options.

The Importance of a FERPA Waiver

Academically, the Family Educational Rights and Privacy Act (FERPA) restricts access to academic records for those over 18. A FERPA Waiver permits parents to access grades, test results, and enrollment details, enabling them to support their child's academic progress.

Seeking Legal Guidance

It's advisable for parents and their children to understand and comply with legal regulations in their state, as these documents' enforceability can vary. Consulting a legal professional can ensure these documents are properly executed and effective.

Securing these key legal documents is crucial for maintaining a supportive role in your child's life as they navigate adulthood. By acting now, parents and guardians can continue to provide guidance and assistance during this exciting life transition.