If we were sitting down over coffee and you told me you were heading back to college, as an attorney, here’s one thing I’d ask:
Do you have a basic protection plan in place yet?
Most students would be confused at what this means, and that’s very normal.
It’s not something schools talk about, but it’s one of the most important steps you can take once you turn 18.
Understand What Changes at 18
Once you are legally an adult, privacy laws kick in.
These privacy laws mean that if you are over the age of 18 and you were in an accident or became ill, hospitals may not be allowed to share information to anyone else. Doctors may not be able to discuss your condition with your family. Financial institutions may refuse to speak with anyone else about your accounts. Even universities are limited in what they can release.
These laws are designed to protect your independence. But in a crisis, they can also create confusion and delay.
The good news is that this is easy to plan for and prevent.
“Trent did a student protection plan for me and it is the best! The atmosphere in the office is amazing! ” – Emma
Choose Who Can Make Medical Decisions If You Can’t
One of the most important decisions that you can make at this stage in your life is to get a Health Care Power of Attorney.
A Health Care Power of Attorney allows you to name someone you trust to step in if you are ever unable to communicate your own medical decisions.
This person can speak with doctors, access your medical information, and make decisions on your behalf, but only if you cannot make them yourself. You stay in control.
It is choosing a backup decision-maker. Not because you expect to need one, but to take responsibility and ensure your own well-being and protection.
Without this document, your loved ones could face unnecessary barriers at the exact moment they want to focus on supporting you.
“What seemed overwhelming was broken down into choices and explained. There was no pressure. We walked away with a sigh of relief.” – Marian
Create a Plan for Financial “What-Ifs”
Even as a student, you likely have more financial responsibility than you realize.
This can include:
- Bank accounts
- Debit or credit cards
- Housing payments
- Tuition payments
- Insurance
- Student loans
If something unexpected happened and you couldn’t manage those responsibilities for a time, a Financial Power of Attorney allows someone you trust to handle them for you.
It can also allow communication with your university if needed.
This isn’t giving someone control over your daily life, it’s making sure bills are paid, and responsibilities are handled if you temporarily cannot manage them yourself.
“Estate planning can seem complicated, but they explained it in terms that were logical, informative, and easy to understand.” – Vonda
Plans that work, People who care.
We’ve seen what happens when families assume everything will just work, and we believe that you deserve better than assumptions.
A Student Protection Plan is a simple way to remove uncertainty. It gives you clarity and your family confidence. And it ensures that if something unexpected happens, the people who love you can step in without barriers.
“Trent gave me a Student Protection plan and it is amazing!! ” – Konnor
If you’re ready to put that protection in place, you can get started right now! Click this link to start your Student Protection Plan. We’ll explain each step, answer your questions, and guide you through the process with patience and care.
Because planning isn’t about paperwork, it’s about people, and we’re here to help you do it right.
