Your family is eligible for coverage (Dependent Coverage) when you are eligible for Participant Coverage. An eligible Dependent is defined as your spouse under a legally valid existing marriage, your unmarried children for whom you are financially responsible or whose coverage is your responsibility under the terms of a valid court order (including stepchildren, children legally placed for adoption and your or your spouse's legally adopted children or until the end of the month in which they reach age 19. Dependent children will be covered for benefits up to the end of the month in which they reach age 26, or the date of graduation (whichever occurs first) if they are enrolled full-time in an accredited university or college or in a technical or specialized school.

Your wholly dependent unmarried children who are physically or mentally incapable of self- support upon attaining 19 will continue to be covered, provided you furnish the Fund Office with proof of his/ her incapacity/disability as certified by the attending physician before their coverage terminates at age 19; furthermore, the disability is subject to annual review.