2. DEFINITIONS Actively at Work means that you perform all the regular duties of your job for a full work day at your Employer’s normal place of business, a site approved by your Employer or a site where your Employer’s business requires you to travel. You will be considered Actively at Work if you usually perform the regular duties of your job at your home as long as you can perform all the regular duties of your job for a full work day and could do so at your Employer’s normal place of business. You are considered Actively at Work on any day that is not your regular scheduled work day (e.g., you are on vacation or holiday) as long as you were Actively at Work on your immediately preceding scheduled work day, and you are neither Confined nor disabled due to an Injury or sickness. Activities of Daily Living means: · Bathing – washing oneself by sponge bath; or in either a tub or shower, including the task of getting into or out of the tub or shower. · Continence – the ability to maintain control of bowel and bladder function; or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene (including caring for a catheter or colostomy bag). · Dressing – putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs. · Eating – feeding oneself by getting food into the body from a receptacle (such as a plate, cup, or table) or by feeding tube or intravenously. · Toileting – getting to and from the toilet, getting on and off the toilet, and performing associated personal hygiene. · Transferring – moving into or out of a bed, chair or wheelchair. The assessment must be made by a medical professional such as an occupational therapist or equivalent. Benefit Percentage means the percentage that is applied to the Insurance Amount to determine the amount of Critical Illness benefits payable under the Policy. Benefit Year means a calendar year beginning on January 1 of any year and ending on December 31 of that year. Clinical Diagnosis means a Diagnosis of Cancer based on observation and history, diagnostic and laboratory studies, and symptoms. Confined or Confinement means: · confined to a hospital or similar facility; or · confined at home due to a sickness or Injury and under the care of a Physician. Contributory means you pay all or part of the premium. Coronary Artery Disease means acute coronary occlusion, coronary atherosclerosis, aneurysm and dissection of the coronary arteries or coronary atherosclerosis due to plaque. Critical Illness means only the illnesses defined in the Covered Conditions section of this Certificate for which benefits are payable. Dependent means your insured Spouse and Dependent Children. Dependent Child (Dependent Children) means your unmarried or married child under age 26. Dependent Child includes: 16-SD-C-01 Page8