A Family is defined as:

Spouse or legal cohabitant or dependent;

Child if unmarried and under 18 years;

Child if unmarried who is 18 years old or until his or her 23rd birthday if that child;

• Is Enrolled as a full-time student at an accredited school or college
  
• Is not employed on a full-time basis
  
• Has the same permanent address as his or her parents.