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I think that some policies specifically enumerate adoptees as being legacies. Others may no, but it's like one of those "doesn't need to be said" things. While a person's personal opinion may make them think that they're not the same, legally they are.
In the eyes of the law, an adopted child has the same legal rights as a birth child (forgive me if these aren't PC terminology, but this is the way it's been discussed in my law classes) except in a few, very rare circumstances (such as when it comes to estates and wills, too complicated and not really relevant).
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