Under the current official FAQ, a spouse and unmarried children under 21 may be included in the initial application, but each family member requires an additional nonrefundable DHS processing fee and $1 million gift. Those terms and amounts must be re-verified before money moves.
Family coverage is a claim to check, not to accept
Hypothetical example: an intermediary states that the whole household is covered for one payment, and the couple have a nineteen-year-old and a twenty-three-year-old. The current official FAQ says a spouse and unmarried children under 21 may be included in the initial application, with an additional nonrefundable $15,000 DHS processing fee and $1 million gift for each included family member. The nineteen-year-old may fit if unmarried; the twenty-three-year-old does not fit the published derivative description.
Read the official terms again immediately before payment because the framework is new and may change. If the household's objective is work for a spouse or status for an older child, compare each available route on those facts rather than on speed.