Guardianship

last updated: Aug 2026

When a child turns 18, they are considered an adult and assume full responsibility for themselves- no matter the level of functioning. For young adults needing assistance with financial, educational, vocational, or healthcare issues, some sort of guardianship or alternative should be explored. An attorney can provide you with possible options, but arrangements for the least restrictive option should be made.

It’s important to remember that full guardianship isn't needed if the individual doesn’t need help in every area of life. With limited guardianship, the rules listed below apply only in the areas where you have guardianship. (For more information on less restrictive options, see our Fact Sheet “Guardianship Alternatives, including Supported Decision Making.”)

After carefully considering these alternatives and determining that guardianship is the best way to support a child’s adult life due to an inability to function independently or with lesser forms of support, the guardian will have certain responsibilities. This fact sheet includes important points to consider when beginning the role of guardian.

Forms of Guardianship

Guardian of the Person: makes decisions involving day-to-day life, except financial decisions, such as food, clothing, living arrangements, medical care, recreation and education.
Guardian of the Estate: makes all financial decisions, combining guardianship of the person and guardianship of the estate.
Guardian of the Person & Estate: makes nearly all decisions.
Limited Guardianship: makes decisions in only the part of a person’s life when he or she is incompetent and has a need.
Co-Guardianship: two people share guardianship.
Temporary/Emergency Guardianship: can be ordered by a court for no more than 90 days without a court hearing. Note: Permanent guardianship requires a court hearing and continues as long as necessary.

How to Obtain Guardianship

Guardianship is a legal process in the state of Indiana that varies by county. One can begin to prepare for filing for guardianship in the months prior to the child’s 18th birthday, but the court date will likely not take place until after the child’s 18th birthday.

Consider retaining an attorney. Be sure the attorney is experienced with guardianship cases. An attorney who practices elder law or family law typically has this type of experience. The National Academy of Elder Law Attorneys has a search option on their website: https://www.naela.org/FindALawyer
If the person is incapacitated by health conditions, obtain a Physician's Report or letter from the person's physician verifying that the individual cannot manage finances or make other personal decisions.
Have a good understanding of the individual’s medical, financial and other affairs.
File a petition for guardianship with the court.
Pay the filing fee.
If the allegedly incapacitated person consents to the petition or is unable to respond to inquiries due to disability, the court will hold a hearing at which witnesses will provide sworn testimony to support the allegations in the petition.
If a guardian is appointed, the judge will issue the guardian legal documents (often called "letters of guardianship") permitting the guardian to act on behalf of the legally incapacitated person.

Guardian Responsibilities

The court expects certain things from a guardian, even if the guardian is the protected individual’s own parent. These involve protecting the person and their assets. Every two years, a guardian must file an account of income, assets and expenses of the protected person with the court. Guardians must also do the following:

Act in the best interest of the protected person.
Keep the protected person’s money separate from the guardian’s money.
Keep an inventory of money, property and other assets of the estate.
Keep all receipts of things purchased with the protected person’s money.
Keep an updated check register and/or spreadsheet that shows all deposits and expenses paid.
Protect the person’s personal belongings.
Obtain permission from the court when selling anything belonging to the protected person, before making a major, unusual purchase with the person’s money, and before moving the person away from their hometown.
Protect and/or invest the person’s assets like a good investor (and as the court directs)
Any money or other items received for the protected person must be used for the person’s room and board, medical care, personal effects, training, education and other services for the person.
If guardians fail to fulfill these obligations, guardians may be liable to the protected person for negligence, bad faith, and fraud.

Guardian Freedoms and Powers

Guardians have plenty of freedom to manage the responsibilities of guardianship, as long as every decision is tested by asking, “Is this in the best interest of my protected person?” If the answer to that question is “yes,” responsibilities can be managed in the following ways:

Manage and pay caregivers a reasonable rate.
Delegate some responsibilities to the protected person (if they are capable) and/or to other people.
Consent for medical care and make medical decisions for the person.
Move the person to another residence in or outside of Indiana.
Arrange for community, medical, educational and therapeutic services for the person.
Apply for government benefits (such as SSI, Medicaid and Medicare) for the person.
Enter into contracts for the person’s needs and receive money and other items for the person, as long as they are used for the person’s needs.
The guardian is not required to pay the protected person’s debts as long as the guardian hasn’t personally committed to the debt.
Be paid a fee for the time spent managing these responsibilities, but this is not a requirement. The court must approve the fee, it must be reasonable, and the guardian must keep detailed records of time spent, dates for each time spent, and how time was spent.

For more information on guardianship, consult an attorney or contact Indiana Family to Family at 844-323-4636 or [email protected]. The Arc of Indiana has guardianship information at https://www.arcind.org/future-planning/guardianship/

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Programs and systems change often. It is important to ensure that you are using the most current information. Please check https://www.inf2f.org/fact-sheets.html for the most recent edition.

This fact sheet was supported by the Health Resources and Services Administration (HRSA) of the U.S. Department of Health and Human Services (HHS) as part of an award totaling $96,750 with 89% percent financed with nongovernmental sources. The contents are those of INF2F and do not necessarily represent the official views of, nor an endorsement, by HRSA, HHS, or the U.S. Government. For more information, please visit HRSA.gov.