When your child turns 18 and heads off to college, it marks a big milestone—for both of you. They’re gaining independence, starting a new chapter, and legally becoming an adult. But here’s something many parents don’t realize until it’s too late: once your child turns 18, you no longer have automatic access to their medical, financial, or academic information—even in emergencies.

To stay informed and be able to step in if needed, it’s smart to have a few important legal documents in place before move-in day. Here are legal documents every family should consider when sending a young adult off to college.

HIPAA Authorization Form

The Health Insurance Portability and Accountability Act (HIPAA) protects your child’s medical privacy. Without their written permission, healthcare providers legally cannot share any information about their health—even with you.

Why it matters: If your child is in an accident or hospitalized, doctors may not be able to tell you anything unless you have this form.

Medical Power of Attorney (Health Care Proxy)

This document allows you to make medical decisions on your child’s behalf if they are unable to do so themselves—due to illness, injury, or incapacity.

Why it matters: In a medical emergency, decisions may need to be made quickly. A health care proxy ensures you have the legal right to act.

Durable Power of Attorney

A Durable Power of Attorney gives you the legal ability to manage your child’s financial and legal matters—such as dealing with their bank, signing tax documents, or managing tuition payments—if they are unable or unavailable to do so.

Why it matters: If your child is studying abroad or becomes ill, you may need to handle bills, renew leases, or help with other practical issues.

FERPA Release Form

The Family Educational Rights and Privacy Act (FERPA) protects the privacy of student education records. Once your child turns 18, you can’t access their grades, disciplinary records, or tuition account unless they give permission.

Why it matters: You may want or need to discuss financial aid, tuition, or academic performance with the college—but without this form, you can’t.

Insurance and ID Essentials

While not legal documents per se, make sure your college student is equipped with:

• Health insurance card and an understanding of how to use it
• Copy of their driver’s license and/or student ID
• Renter’s insurance if they live off-campus or bring valuables to school
• A secure cloud folder with digital copies of the above documents for quick access

Preparing these legal documents isn’t about being overprotective—it’s about being prepared. Emergencies happen, and the last thing you want during a crisis is to be powerless to help. Having these legal documents in place gives you peace of mind and ensures your child has a support system in place as they take their first big step into adulthood.

Need help with these legal documents? Watch this short video from MamaBear Legal Forms:

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