- April 11, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Turning 18 and Transitioning to Independence
I will be celebrating my 18th birthday just a few months from now, and I am planning on drastically reducing contact with my mom at that point. Despite my mom having full legal custody of me, I have been primarily living with my dad. The dynamics of my family situation are intricate and difficult to convey through text.
### Concerns About Financial and Medical Autonomy
One of my major concerns as I approach adulthood revolves around the fact that my mom currently exerts control over my bank account and medical decisions. Upon reaching 18, I aspire to gain full autonomy in these areas. However, I am uncertain about the specific steps I need to take to transfer everything to my name and establish my independence.
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### Additional Concerns and Research
In addition to addressing the transfer of financial and medical responsibilities, I am eager to explore what other aspects of my life may require attention as I step into adulthood. I recognize the need to conduct thorough research and seek information on various topics to ensure a seamless transition into independence.
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I was on my son’s teen bank account. I signed to take my name off his account when changed it to an adult account. It may be best to open a new account somewhere else (different bank) and take most of the money out of the current account and deposit to new account. Sounds like your mom won’t sign to remove herself from the account.
For doctors you see, change all the details. Tell them you have new information. Put your name as contact and person responsible for payment. Put your dad or someone else as emergency contact. There’s usually a form saying who can they disclose medical information to. I put my husband, you could put your dad or leave it blank. I’d make sure mom’s name isn’t mentioned anywhere. My name must still be on my son’s forms as I have gotten call from a medical provider when they couldn’t contact him and it wasn’t an emergency. I’ve told my son (19 yrs), he doesn’t have to put us as the person they can talk to. I think he did, so that’s why they called me when they couldn’t reach him. I also told him to listen to voicemails and return calls promptly! He puts himself as person responsible for payment, but he pays copay at the medical office with our credit card and we pay any medical bill he gets in the mail, so it is still us paying for it. When he finishes with college and gets a job, then he can change the credit card and billing address to his own, and pay for the medical bills.
The other thing to check is your health insurance. If it’s through your mom, she’ll get Explanation of Benefits and know when you went to the doctor and some details about the visit. Change insurance if you can, maybe your dad’s insurance as children can stay on parents insurance until they’re 26. Change your drivers license emergency contact etc. Going forward, put someone else as emergency contact on all forms.
You can’t do any of this until you turn 18. After that, you’re legally an adult and can make any changes you want.
At some point you may want to look at legal will and heath care forms. This specifies who is executor of your estate and who can make medical decisions for you if incapacitated. As an adult, who isn’t married, that would be your mom and dad together as next of kin. You can specify who you want to make the decision. My sister did not want my mother to be her next of kin and make these decisions after my sister’s divorce. She put me on legal forms giving me the decision making power. I’m also her emergency contact on all forms
New bank account. Health insurance you should try to get under your dads if he has it, you can be under your parent’s health insurance until you’re 25/26.