Crucial Legal Documents for Your 18-Year-Old: A Guide for Boerne Families

Turning 18 is an exciting time. Whether your child is heading off to college, starting a job, or simply enjoying newfound independence, it's a major life milestone. But with that freedom comes adult responsibility—especially when it comes to legal matters. Many families are surprised to learn that once their child turns 18, they no longer have automatic access to medical or financial information. That's where estate planning comes in.

At McCammon Law, we often hear the question: Does my 18-year-old really need an estate plan? The answer is yes—and we’re here to explain why. situations.

What Changes When Your Child Turns 18?

Many young adults think estate planning is only for older people, but it's crucial for everyone. Once young adults turn 18, they are legal adults, and parents or guardians no longer have authority over their health or financial accounts or information. Accidents and illnesses can happen at any age, and having the right documents can make a big difference. As an estate planning attorney in Boerne, Shawn McCammon helps families prepare for life’s “what ifs.” Planning now ensures you can support your child if the unexpected happens.

Five Essential Legal Documents for Young Adults

1. Medical Power of Attorney: If your child is ever unable to make medical decisions—due to an accident or illness—a medical power of attorney in Texas gives a trusted person legal authority to step in and decide on their behalf. Without it, medical care could be delayed while a court determines who can act. This document allows a trusted person to make medical decisions on your behalf if you can't communicate your wishes. Choosing a reliable and nearby person is important for making quick decisions if needed.
2. HIPAA Authorization: This gives certain people access to your medical records. Without it, your loved ones might not be able to get the information they need to help you in a medical emergency.
3. Durable Financial Power of Attorney: This document allows a parent or trusted adult to manage your child’s financial matters if they become incapacitated or are temporarily unavailable (such as while studying abroad). This includes paying bills, managing bank accounts, and handling leases or tuition.
4. FERPA Waiver for College Students: The Family Educational Rights and Privacy Act (FERPA) protects student education records. With a FERPA waiver, your child gives you access to their college records, including grades, enrollment status, and tuition billing information.
5. Living Will (Advance Directive): Though it’s difficult to imagine, young adults can face life-threatening emergencies. A living will outlines your child’s wishes about life-sustaining treatment, should they be unable to speak for themselves. It provides peace of mind to families during emotional times. Learn more in our article: Why Do I Need an Advanced Healthcare Directive?

Why Boerne Families Should Act Now

You might think these documents can wait, but emergencies don’t. Car accidents, sports injuries, or health issues can arise without warning. Without proper planning, families may face:

• Court delays
• Legal fees to gain guardianship
• Emotional stress from uncertainty

As a trusted estate planning attorney in Boerne, Shawn McCammon works with local families to create customized plans that protect young adults while respecting their independence.

Real-Life Example: When Preparedness Matters

Imagine your college-aged child is in a car accident and hospitalized. You call the hospital, but the staff won’t give you any information because of privacy laws. Worse, your child needs surgery—but no one is legally authorized to consent on their behalf.

With a medical power of attorney and HIPAA release in place, this situation becomes manageable. You can speak with doctors, understand the condition, and make time-sensitive decisions.

What If My Child Is Studying Out of State or Abroad?

If your child goes to college out of state or travels internationally, you may need to ensure documents comply with the state where your student resides or consider additional documents like international health insurance when your student travels internationally. At McCammon Law, we help ensure your documents are recognized where they’re needed most.

How Can Young Adults in Boerne Get Started?

Creating these documents is easier than you might think. Here are some steps to get started:

1. Talk to Your Parents or Guardians: Discuss your plans and get their input on who your healthcare proxy or financial power of attorney should be.
2. Consult an Attorney: Seek advice from a Boerne estate planning attorney, like Shawn McCammon, who can draft these documents to ensure they meet legal requirements and accurately reflect your wishes.
3. Store Documents Safely: Keep your documents in a safe place, and make sure that your designated agents know where to find them.
4. Review Regularly: Life changes might require updates to estate planning documents, especially if your child changes states, schools, or jobs. Read more in our article: Reviewing Your Estate Plan Protects Goals, Family

Lay the Legal Groundwork for Adulthood

Helping your 18-year-old create an estate plan isn't just about paperwork—it's about protecting their future. As a parent, it’s one of the most important steps you can take to ensure you're able to help your child when it matters most. Our law firm focuses on estate planning and can help you create a comprehensive plan suited to your wishes. Contact McCammon Law today to request a consultation and get started.

Key Takeaways

• Young People Need Estate Planning: Having your documents in order can make hard situations easier.
• Key Estate Documents for Young People: HIPAA Authorization, a medical and financial power of attorney, FERPA waiver, and living will are invaluable to protect a young person's rights and ensure parents can help when needed.

Reference: WDIO (Sep. 28, 2022) “Estate planning is for college students too”