Is this what you're looking for?
select memid
,fullname
,dob
,sex
,enrollid
,enrolleffdate
,enrolltermdate
,(datediff(month,dob,enrolleffdate)+1)/12 as age
,case
when (datediff(month,dob,enrolleffdate)+1)/12<21
then 0
else datediff(month,enrolleffdate,enrolltermdate)
end as membermonth
from @memage
;