You're at the pharmacy to pick up your medication and they tell you it needs prior authorization from your insurance. Your mom, who's handled this for years, calls to sort it out while you're in class. Insurance says the doctor needs to fix it. The doctor's office won't even confirm you're a patient to your mother, let alone help her get what the insurance company requires. Three days later, you're still without your medication.
- Lets your doctors talk to your parents
- Without this, hospitals and doctors legally can't tell your parents anything - even in emergencies
- Think of it as putting your parents back on your medical team
You end up unconscious in the ER after a bad bike accident. Without this document, your parents watch helplessly as strangers make life-altering medical decisions about their child. They have no legal standing to advocate for you, question treatments, or ensure your wishes are followed.
- If you're unconscious or can't make medical decisions, this lets your parents step in and speak for you
- Only kicks in during emergencies when doctors say you can't decide for yourself
- Car accident, serious illness, or surgery complications - not everyday doctor visits
Your landlord is trying to keep your entire $800 security deposit, claiming you damaged things that were already broken when you moved in. Your dad knows exactly how to handle this situation and makes the call. Five minutes later, he's back: "He won't even talk to me, I'm not on the lease." So while your friends' parents are handling their housing dramas, you're spending your study time fighting for money you desperately need.
- Your apartment deposit is wrongfully withheld
- Your debit card is compromised during finals week
- Financial aid is mysteriously suspended
- Student loan payments are missed due to system errors
- Your parents fight the state for months to handle basic affairs
- Your belongings sit in legal limbo
- Bank accounts are frozen indefinitely
- Your car can't be sold to pay remaining bills
- Your family faces additional legal fees and stress during grief
