One of the most important college essentials is not on any
dorm packing list or official checklist.
As parents of young adults turning 18, most of us might assume that our
role as the ultimate protector and decision-maker (especially in emergency
situations) will continue as our children attend college, study abroad or enter
the workforce in whatever capacity.
But imagine if you can, the shocking moment when a parent has just been told that their 18-year-old child has been rushed to a hospital but that they cannot have immediate access to the child’s medical information or the ability to make important medical decisions. Yes, without the proper documents, a medical provider faces potential sanctions under the Health Insurance Portability and Accountability Act, commonly known as HIPAA, for disclosures that aren’t explicitly authorized by the patient. While medical providers are permitted to
exercise professional judgment if the patient is incapacitated or in emergency
situations, providers may be reluctant to exercise that discretion, particularly
if they don’t have an existing relationship with the patient or his or her
Parents, guardians and their young-adult children should be prepared, in advance of any medical emergency, by getting the necessary legal
authority in writing. I recommend that you sit down with your legal-aged young adult children and ask that they consider signing appropriate forms naming their parents or guardian as their “agent” to handle matters for them in the event of an emergency. These forms are obtainable online or can be prepared by an attorney for you.
Medical or Health
Care Power of Attorney (“POA”)
By signing a Medical or Health Care POA (aka Health-Care Proxy), your young adult appoints an “agent” (i.e., parents or guardian) to make medical decisions on their behalf in case they are incapacitated and cannot make these decisions for themself. Each state has different laws governing a Medical POA and, therefore, different legal forms, but websites such as the American Bar Association have helpful links to those forms for each state. A good Medical POA form should include HIPAA disclosure authorization; if it does not, a separate HIPAA authorization should be signed. Whether the Medical POA requires the signature of one or 2 non-related witnesses or a notary varies by state based on the form. If your child’s college has its own form, you should have that form signed too.
A signed HIPAA Authorization permits health-care providers
to disclose your child’s health information to the person the child assigns as
their health care “agent” for a designated time period or indefinitely. A
stand-alone HIPAA Authorization (not incorporated into a broader legal
document) typically does not have to be notarized or witnessed and can be
signed in advance by your child. Young adults who want parents to be involved
in a medical emergency, but fear disclosure of sensitive information, need not
worry. A HIPAA Authorization does not have to be all-encompassing since your
child can stipulate not to disclose information about sex, drugs, mental
health, or other details they might want to keep private.
Durable Power of Attorney
(“POA”) – Optional (Case by Case)
A Durable POA is a
legal document that authorizes a trusted person (i.e., parents or guardian) that
your adult child designates to act as their “agent” or “attorney-in-fact” (even
though the person need not be an attorney), and remains valid even if the child
is incapacitated. Since this trusted person as “agent” can step into your adult child’s shoes to legally take care of business on their behalf, your child should only give this type of authorization to an adult they truly trust and who has their best interest at heart. An agent’s powers are generally very broad in that they can do such things as enter into legal contracts such
as signing a lease, sign tax returns, access bank accounts, etc. This legal document should be taken very seriously…it may not be essential in many situations. Durable POA forms vary by state and should typically be prepared by an attorney.
FERPA stands for Family Educational Rights and Privacy Act
of 1974 and was designed to protect the privacy of a student’s education records including getting access to your child’s college grades and transcripts. This Release form basically permits post-secondary institutions to disclose your student’s personally identifiable information and educational records to their parents without the student’s consent. Of course, another approach to getting access to a student’s grades and/or transcript is to require your child
provide you log-on access to their college portal, especially if you are paying
their college tuition. Having said this, your child can change their log-on credentials at any point so having them sign the FERPA Release may ensure more consistent access, as needed.
Once these forms are signed, it’s a good idea to scan and save them electronically so they are readily available on a smart phone or
computer. You should also keep the original forms in a secure location for safe keeping.
So along with picking out their bedding for their dorm or making sure their passport is valid, discuss the importance of these legal
forms with your adult children and get them signed before they go.
Consider this your training manual to get and stay financially fit for life!