A dependent is a legal spouse of an Employee or Retiree (excluding common law marriages), any child under age 26.  For these purposes a “child” will include:

• A retiree’s or employee’s natural child,
• A legally adopted child or child legally placed with employee or retiree for adoption,
• A stepchild, or
• A child who the employee or retiree is required to provide coverage due to a Qualified Medical Child Support Order (QMSCO). Such determination is made by the Plan sponsor in accordance with its written procedures which are available free of charge upon request.