The moment your child turns 18, you lose the legal right to make their medical decisions, access their financial accounts, or even speak to their doctor. A car accident, a medical emergency, a campus crisis — and you could be legally shut out. These documents fix that.
Plans from $500 • Licensed in KY, IN & OH • Fully remote — works wherever your child is at school
Your child is the same person on their 18th birthday as they were the day before. The law isn’t. Overnight, you go from “in charge” to “legally a stranger” in the eyes of every hospital, bank, and school.
The day before — age 17
The day after — age 18
The right documents turn every ✗ back into a ✓ — for the people your child chooses.
HIPAA privacy laws prevent healthcare providers from sharing your adult child’s medical information with you — even in an emergency — without written authorization. A medical POA and HIPAA release solve this.
Unless you’re a joint account holder, you have no legal right to manage your adult child’s bank accounts, pay their bills, or handle their financial affairs if they’re incapacitated. A durable power of attorney solves this.
Without legal documents in place, a court would need to appoint a guardian — a process that takes weeks and costs thousands — before you could make medical or financial decisions for your own child.
Your child is 300 miles away at school. They’re in an accident. The hospital calls you — but they can’t tell you anything or let you make treatment decisions without a medical POA on file.
Your child is overseas. A medical emergency happens. Without a healthcare proxy and POA, you have no legal standing to coordinate care, manage finances, or make decisions — from any distance.
Your 19-year-old is in a serious car accident. They’re unconscious. Without documents, you may not be able to authorize surgery, access their insurance information, or manage their finances during recovery.
Your adult child has their own lease, their own bank account, their own life. If something happens and they can’t manage their own affairs, nobody has legal authority to step in without a POA.
Your daughter is a sophomore three states away. At 2 a.m., campus security calls: she’s been in an accident and she’s unconscious. You call the hospital — and without a medical POA and HIPAA release, the nurse legally cannot even confirm she’s a patient there, let alone discuss her condition or let you authorize care. Your only path is an emergency guardianship petition, in a county you’ve never set foot in, while the clock runs.
With the right documents already on file, that same call goes differently: you’re her named healthcare agent, the hospital talks to you the moment you identify yourself, and you can authorize treatment and coordinate care from the second you pick up the phone. That’s the whole point of these plans — not paperwork, but the ability to show up for your kid when it counts most.
Not every young adult needs the same level of protection. Choose the tier that matches their situation — all three are flat-fee, all three discounted from standard pricing for clients under 25.
Tier 1 · Essentials
For most young adults with no real assets — just the documents that let you step in if something goes wrong.
$500
Flat fee, under 25
Tier 2 · With Will
Everything in Essentials plus a simple last will and testament — a good fit for young adults who want a will in place as they head into independent life.
$1,000
Flat fee, under 25
Tier 3 · Full Coverage
For young adults with real assets — inheritance, a home, business interests, or significant savings — who want a trust-based plan from the start.
$1,800
Flat fee, under 25
All three tiers are discounted from standard pricing for clients under 25. Trust funding (asset re-titling) for Tier 3 is a separate engagement priced based on the work involved.
Even the Essentials Plan does the most important job: it lets you — their parent — step in and help if something goes wrong. The will and the trust are upgrades for young adults whose situations have grown more complex.
This authorizes healthcare providers to share your child’s medical information with you. Without it, HIPAA privacy laws prevent hospitals from telling you anything — even if you’re standing in the emergency room.
It isn’t a car or a laptop, but it’s the one gift that lets you protect them the instant something goes wrong. Plenty of parents — and grandparents — give a Young Adult Protection Plan to mark a milestone:
The summer before college is the ideal window — documents signed and on file before move-in day.
The exact moment the legal switch flips. A meaningful, grown-up gift for a brand-new adult.
International emergencies without legal standing are a nightmare. Get covered before they board.
New lease, new bank account, new independence — and someone who can step in if needed.
Pair it with the dorm shopping list. The one item that matters more than the shower caddy.
A young adult who’s received real assets is the right candidate for the trust-based Foundation tier.
Before move-in day, make sure these are signed and stored somewhere you can reach them fast. It’s the checklist most families don’t know exists — until the moment they need it.
Lets named family members receive medical information from doctors and hospitals. Without it, providers legally can’t share anything — even in an emergency.
Names you (or another trusted adult) to make medical decisions if your child can’t speak for themselves.
Lets you handle tuition, bank accounts, insurance, and bills if your child is incapacitated or simply unreachable abroad.
Puts your child’s own wishes about end-of-life care in writing, so no one is left guessing.
A FERPA release is worth adding too, so the school can share grades and records with you — ask about including one.
Cooper Law is licensed in Kentucky, Indiana, and Ohio and works fully remotely. Whether your student is in Lexington, at Purdue, in Cincinnati, or studying abroad, everything is handled by phone or video with electronic delivery and step-by-step signing instructions — no office visit required.
For most young adults, the will is simple — but it matters. It names who receives their belongings and, more importantly, ensures the legal framework is in place. The real value of these packages is the POA and medical documents.
No — your estate plan protects your assets and names your agents. Your child needs their own documents that name you as their agent. These are separate legal instruments.
Cooper Law is licensed in Kentucky, Indiana, and Ohio. Documents can be prepared remotely and delivered electronically with signing instructions. Your child doesn’t need to be in Louisville.
Because protecting young adults shouldn’t be a luxury. These documents can be the difference between a parent walking into a hospital and being told “we can’t share information” — or being able to help. I never want cost to be the reason a family doesn’t have these protections in place. The young adult tiers are priced as accessibly as I can sustainably make them, because helping families protect the people they love is the whole point.
Submit a short intake form. Cooper Law responds within 2 business days under normal circumstances. Mention that your child is under 25 for the discounted rate.
Request a Consultation