Who is considered a dependent?

For Personal members: An applicant’s spouse, unmarried child up to 18 years of age (or up to age 25 if a full-time student at an accredited educational institution) or any disabled child unable to leave the care of the policyholder.

For Group plan members: An applicant’s spouse, unmarried child up to 21 years of age (or up to age 26 if a full-time student at an accredited educational institution) or any disabled child unable to leave the care of the policyholder.