EXTENDED DISABILITY BENEFIT We will pay an Extended Disability Benefit to you if you: (1) meet all the requirements of Total Disability of the Policy; and (2) are receiving a Total Disability Benefit under the Policy that will be exhausted because the Maximum Duration of Benefits has ended; and (3) are unable to function without another person's Direct Assistance or verbal direction due to: (a) an inability to perform at least two Activities of Daily Living (ADL) as defined; or (b) Cognitive Impairment as defined; and (4) are either: (a) confined as an Inpatient in a Skilled Nursing Home, Rehabilitation Facility or Rehabilitative Hospital in which patients receive care from licensed medical professionals; or (b) receiving Home Health Care or Hospice Care; and (5) make a Written Request for this benefit within thirty (30) days after the Maximum Duration of Benefits has ended. The Extended Disability Benefit: (1) will be an amount equal to 85% of the Monthly Benefit after offsets with Other Income Benefits which was payable prior to you qualifying for the Extended Disability Benefit up to a maximum of $5,000 per month; and (2) is payable for a maximum of sixty (60) months measured from the date that the Maximum Duration of Benefits has ended. Definitions: "Activities of Daily Living (ADL)" means: (1) Bathing - the ability to wash oneself in the tub or shower or by sponge bath from a basin without Direct Assistance; (2) Dressing - the ability to change clothes without Direct Assistance, including fastening and unfastening any medically necessary braces or artificial limbs; (3) Eating/Feeding - the ability to eat without Direct Assistance, once food has been prepared and made available; (4) Transferring - the ability to move in and out of a chair or bed without Direct Assistance, except with the aid of equipment (including support and other mechanical devices); and (5) Toileting - the ability to get to and from and on and off the toilet, to maintain a reasonable level of personal hygiene and to adjust clothing without Direct Assistance. "Cognitively Impaired" and "Cognitive Impairment" means your confusion or disorientation due to organic changes in the brain resulting in a deterioration or loss in intellectual capacity as confirmed by cognitive or other tests satisfactory to us. "Direct Assistance" means you require continuous help or oversight to be able to perform the Activity of Daily Living (ADL). "Home Health Care" means medical and non-medical services, provided in your residence due to Injury or Sickness, including: visiting nurse services; physical, respiratory, occupational or speech therapy; nutritional counseling; and home health aide services. Home Health Care services must be: (1) prescribed by and provided under the supervision of a Physician; and (2) rendered by a licensed home health care provider who is not a member of your immediate family. Home Health Care does not include: homemaker, companion and home delivered meals services; nor informal care services provided by your family members. "Hospice Care" means a program of care which coordinates the special needs of a person with a Terminal Illness. Hospice Care must be: (1) prescribed by and provided under the supervision of a Physician; and (2) rendered by a licensed hospice care provider who is not a member of your immediate family. "Inpatient" means a person confined in a Skilled Nursing Home, Rehabilitation Facility or Rehabilitative Hospital, for whom a daily room and board charge is made. LRS-6570-199-0501 Page 14.0