Consider packing a legal safety net before students leave for college

As summer ends, families preparing for college should consider essential legal documents for students. Parents can establish a health care proxy, allowing them to access medical information and make decisions if their child is incapacitated.

This is crucial since, under HIPAA, young adults have medical privacy once they turn 18. A living will can accompany the proxy to express healthcare preferences.

Families should verify that the documentation complies with both their home state and the state of the college, as variations may exist. It's also advisable to obtain a durable power of attorney to manage financial matters if necessary.

Additionally, parents should recognize that federal law (FERPA) restricts colleges from sharing educational information without student consent, though students can grant access to financial records. Preparing these documents before the school year can ease potential stress in emergencies.

Families are encouraged to consult with legal and financial advisors to ensure all necessary documentation is in place.