Members of the immediate family shall be defined as father, mother, brother, sister, son, daughter, husband, wife, parent-in-law, grandchild or near relative who resides in the same household, or any person with whom the employee has made his/her home _ ___. Opt-Out Plan: Full-Time Employees can elect one of two options to opt-out of the CCIU health benefits: Option 1 will provide a $750 reimbursement per year for opting-out of the medical and prescription drug coverage.