Definition of Terms

Spouse means a person who is legally married or in a common-law relationship with the holder, insured or annuitant (common-law relationship means cohabitation in a relationship of some permanence continuously for at least two years).

Children means the biological and legally-adopted children or step-children of a member who are unmarried and under the age of 25 years, provided the holder, insured or annuitant is legally responsible for the maintenance and support of such children at the time application for the benefit is made.

Children under the care of a legal guardian means any children who are unmarried and under the age of 25 years, provided the holder, insured or annuitant has legally obtained responsibility for the maintenance and support of such children at the time application for the benefit is made.

Grandchild means a biological and/or legally adopted grandchild or step-grandchild under the age of 25 years, provided at least one legal grandparent is the holder, insured or annuitant at the time application for benefit is made.

Grandparent means a holder, insured or annuitant who has one or more grandchildren biologically or through legal adoption or step-grandchildren.

Immediate Family means the holder, insured or annuitant, his/her spouse and biological and/or legally-adopted children or step-children. In the case of te Competitive Scholarship, this is also includes biological and/or adopted grandchildren or step-grandchildren.

Legal guardian means a person who has been granted legal responsibility and maintenance of one or more children, and can legally act on the child/children’s behalf.

Member means a person who is an insured or annuitant under a Foresters certificate or rider, or a holder of a Social Fraternal Membership, or one who is registered as a Non-Voting Member.

Minor means those who are under the 16 years of age.

Parent means a person who is biological, step- or adoptive parent of a child, and includes a person who, at the discretion of Foresters, is acting as the child's parent (in loco parentis), or who is that child's legal guardian.

Single Parent means a person who is either widowed, has never been married, or is divorced or separated, and is the sole provider for the maintenance and support of his/her children. The determination of whether a Parent is a Single Parent will be at the sole discretion of Foresters.

Eligibility for Foresters Member Benefits

Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, restrictions and limitations and may be changed or canceled at any time without notice. Definitions are benefit specific and may vary by benefit.

"You" and "Your" refers to the member, who is either the insured or annuitant under a Foresters certificate.