No. In a Microsoft 365 Family subscription, Copilot features are not available to all family members.
Supported Copilot access for Microsoft 365 Family is limited to the primary subscription holder in the scenarios covered here:
- In the Microsoft Copilot app, Copilot Chat is available for Microsoft 365 Family subscribers as primary account holders only.
- In OneDrive, Copilot is included with Microsoft 365 Family, but it is only available to the subscription holder and not available to other Family Group members.
- Similar Microsoft Q&A guidance in this scenario states that Copilot features in Word, Excel, PowerPoint, Outlook, and desktop apps are only available to the subscription owner.
That matches the behavior described: the administrator/subscription owner can use Copilot, while other family members cannot.
The update, settings, and web/desktop checks would not change this for shared family members because the limitation is tied to who owns the subscription, not to app version or local configuration.