A de facto spouse is a person who, at any time in 2023:

• was living in a conjugal relationship with you and was the biological or adoptive parent (legally or in fact) of a child of whom you were also the parent; or
• had been living in a conjugal relationship with you for at least 12 consecutive months (if you were separated for fewer than 90 days, the 12-month period is considered not to have been interrupted).