If you want to name your stepchildren or foster children, avoid using the class designation Living, Lawful Children, equally with Rights of Survivorship or -Living Lawful Children, equally with Rights of Survivorship Per Stirpes since using this terminology will not include stepchildren, foster children or any children not legally adopted.
To ensure correct payment to stepchildren, foster children or children you have not legally adopted, use the Other or Text section of the beneficiary form and name each child by name. Provide first and last names, relationship (who it is) and the percentage or fraction of the proceeds you wish to designate.
For example:
Primary beneficiary: 100%, Jane Doe, stepdaughter