Off to College? One Step Most Parents Overlook.

A Real-Life Wake-Up Call

A friend of mine recently shared a sobering story. His son had just left for college when he was involved in a serious accident. Thankfully, the father had insisted on getting a Power of Attorney (POA) signed before his son left home. That simple document gave him the legal ability to step in, communicate with doctors, and make decisions while his son was unconscious in the hospital—hooked up to machines and unable to advocate for himself.

It’s the kind of situation no parent wants to imagine, but one that underscores a vital truth: once your child turns 18, you no longer have automatic access to their medical records or financial information—even if you're paying the bills.

Why Powers of Attorney Matters

When your child becomes a legal adult, privacy laws like HIPAA kick in. That means medical providers, colleges, and financial institutions cannot legally share information with you without your child’s permission—even in an emergency.

To prevent unnecessary stress and delays, here are two essential documents to have in place before your child heads to campus:

1. Healthcare Power of Attorney (Medical POA):
   This allows you to make medical decisions on your child’s behalf if they are unable to do so themselves. Without it, doctors may not be able to speak with you during a crisis.
2. Durable Financial Power of Attorney:
   This enables you to manage your child’s financial affairs—pay bills, handle banking, or access accounts—if they are incapacitated.

Optional but helpful:

• HIPAA Release Form to ensure healthcare providers can share medical information with you, even if your child is conscious but prefers not to handle things alone.

Make It a Part of the College Checklist

Think of these documents as important as their laptop charger or student ID. For parents sending a child to college for the first time, this step may feel unfamiliar—but it's one of the most important ways to help protect your child’s future and give yourself peace of mind.

Consult with your financial advisor or a local attorney to get these documents drawn up and notarized. It’s a simple step that could save time, confusion, and heartache down the road.

Final Thoughts

Sending your child off to college is a huge milestone. It’s a transition filled with excitement, nerves, and endless checklists. As you help them prepare for this next chapter, don’t forget to prepare yourself, too.

Because being able to support them when it matters most. That’s something no care package or campus tour can replace.