If you have to ask, probably don't use it.

Language is constantly evolving. There is no clear line. New words are added, meanings change, and it depends on the intent of the speaker too.

However as a mater of practice I choose to never assume it has been reclaimed. It's always possible that someone hasn't received the update.

When you see someone write it on the back of their jacket and saying “it’s cool, we’re taking it back” whenever someone calls it out.