The following are covered:
- The member
- The member’s spouse
- Never-married dependent children of the member or member’s spouse who are under 26 and living at home
- Children under age 16 for whom the member or member’s spouse is the legal guardian
- Full-time students under 23 years of age if the student is a dependent of the member or member’s spouse
- Any dependent child, regardless of age, who is incapable of sustaining employment because of mental or physical disability and who is chiefly dependent on the member or member’s spouse for support.