Children between the ages of 18 and 21, who are financially dependent on the Member and are full time students, are covered by the Membership. If the child who is mentally ill is not a full time student and is above 18, such a child will not be covered by the policy. In such instances, we recommend either a stand-alone Membership for the child or adding the child as an insured individual on the Extended Family Protection Benefit on the main Member's Membership.