If you’re the parent of a new graduate from high school this year, congratulations! I know you’ve put a lot of time and effort toward that diploma, and whatever their next step in life will be, you surely want to protect them just as much now as you always have.
So before you pack your kid off to college or just an apartment across town, you need to know that when they leave, they will be taking along many of the legal rights you held before they turned 18.
Once a child turns 18, they are no longer considered a child in the eyes of the law. As such, you no longer have the legal right to access their medical, school, or banking records without their permission. Here are three simple steps you should take before your child leaves the nest to help ensure their safety and your peace of mind:
1. Create an advance healthcare directive. Once your child becomes a legal adult, they need to have an advance healthcare directive that will allow you to access their medical records and make medical decisions for them in case they become incapacitated. This is essential in case of an emergency. They will also need to sign a Health Insurance Portability and Accountability Act (HIPAA) form that allows medical professionals to share information with you.
2. Use technology. The American Bar Association recently released a free app for iPhone and Android that allows you to store an advance directive and other important documents on a smartphone. The app comes in two versions: the Lite version stores a PDF version of an advance healthcare directive and HIPAA form; the Pro version ($3.99) provides more functionality, including the ability to email documents. The app is called My HealthCare Wishes and is available from the iPhone App Store or Google Play for Android devices. There are also online solutions such as DocuBank.com which stores medical records and allows those to be accessed by medical professionals anywhere in the world.
3. Add an ICE app to your child’s phone. Add an ICE (In Case of Emergency) app to the home page of your child’s phone that lists your contact information and also create an ICE listing in his or her phone contacts with this information. Your child is much more likely to always have their phone with them than to carry a printed card or document.
For more information on protecting your family, call our office to schedule a time for us to sit down and talk about a Family Estate Planning Session, where we can identify the best ways for you to ensure the security of your loved ones. Be one of the first two people to mention this article and we’ll waive our $750 planning fee PLUS create a free healthcare directive for your young adult child.