Code of Federal Regulations Title 20. Employees' Benefits § 20.404.347 “Living in the same household” defined

(a) It was due to service in the U.S. Armed Forces;

(b) It was 6 months or less and neither you nor the insured were outside of the United States during this time and the absence was due to business, employment, or confinement in a hospital, nursing home, other medical institution, or a penal institution;

(c) It was for an extended separation, regardless of the duration, due to the confinement of either you or the insured in a hospital, nursing home, or other medical institution, if the evidence indicates that you were separated solely for medical reasons and you otherwise would have resided together;  or

(d) It was based on other circumstances, and it is shown that you and the insured reasonably could have expected to live together in the near future.