What Maryland Parents Need to Do When Their Child Turns 18 and Goes Off to College
Jul 30 2025 15:00

When your child turns 18, everything changes legally—even if they still live under your roof or rely on you financially. As they head off to college, your ability to make medical or financial decisions on their behalf disappears unless the right legal documents are in place. At Limsky Law Group, a trusted estate planning and probate law firm in Ellicott City, Maryland, we often help families navigate this transitional period with peace of mind.

 

Here’s what every Maryland parent should know—and do—before sending their child to college.

 
1. Understanding the Legal Shift at Age 18

In Maryland, the age of majority is 18. That means your child is now legally an adult. As such, you no longer have automatic rights to access:

  • Their medical records

  • Their financial accounts

  • Their academic records

This legal barrier can become a major issue in emergencies, especially when your child is away at school.

 
2. Key Legal Documents Every College-Bound Child Should Sign

To retain some ability to assist your child in critical situations, we recommend preparing the following estate planning documents:

  • Health Care Power of Attorney: Grants you the ability to make medical decisions if your child becomes incapacitated.

  • HIPAA Authorization Form: Allows health care providers to share your child’s medical information with you.

  • Financial Power of Attorney: Enables you to manage your child’s bank accounts, pay bills, or sign financial documents if needed.

  • FERPA Waiver: Allows access to your child’s educational records and grades.

An experienced estate planning attorney in Ellicott City can guide you and your child through these documents to ensure they are legally sound and customized to your family's needs.

 
3. Creating or Updating Your Own Estate Plan

As your family dynamic changes, it’s also a good time to revisit your own estate plan. Ensure your will, powers of attorney, and any trusts are up to date. You may wish to:

  • Name a guardian for any younger children

  • Adjust inheritance plans to reflect your child's new adult status

  • Plan for the potential need to assist your child financially during or after college

 
4. Avoiding Probate and Planning for the Future

Many families are surprised to learn that simple steps taken now can help avoid probate later. Establishing joint accounts, beneficiary designations, and trusts can streamline the process if something unexpected occurs.

Our Maryland probate lawyers at Limsky Law Group can help families plan not just for death, but for unexpected incapacity and transitional life stages.

 
Take Action Before Move-In Day

As your child shops for dorm supplies and finalizes class schedules, take time to schedule a legal planning session. At Limsky Law Group in Ellicott City, we’re here to protect what matters most—your family.

 

Contact us today to ensure your college-bound child is fully prepared for adulthood, legally and practically.