At 18, your child becomes a legal adult. Overnight:
- Doctors, schools, and banks may no longer share information with you without signed paperwork.
- The guardianship decision you may need is ideally started months before the birthday, not after.
- SSI eligibility changes, because Social Security stops counting your household income.
- Savings in the wrong place can affect benefits.
Each piece lives with a different office: the school, Social Security, the court, Medicaid. Nobody hands you the whole map.