Most parents don’t see it coming. One day you’re signing permission slips and making doctor’s appointments, and the next your child turns 18 and the law treats them as a fully independent adult. You can no longer access their medical records, negotiate their bills, or make a single financial decision on their behalf without their written authorization. That shift happens overnight, and most families aren’t ready for it. The good news is that four straightforward legal documents fix the problem entirely. The Durable Power of Attorney Covers More Than You Think A durable power of attorney assigns an agent, typically a parent, to handle financial and contractual decisions for a young adult. That sounds abstract until you picture the real scenarios. Your college freshman has a billing dispute with the bursar’s office. Your 19-year-old gets into a car accident and needs someone to negotiate with the insurance company. Your child…
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