RL-ACC3-CERT2-23-IN 8 D12967 (11/25) DEFINITIONS Accident or Accidental means an unforeseen event that results in a bodily Injury. Active Employment or Active Employee means you are working for the Employer for earnings that are paid regularly and you are performing the material and substantial duties of your regular occupation. Your work site must be one of the following:  The Employer's usual place of business;  An alternative work site at the direction of the Employer, including your home; or  A location to which your job requires you to travel. Normal vacation is considered Active Employment. Certificate means this document, which describes the benefits and rights of Insured Persons under the Policy. It may include riders, endorsements or amendments. Chip Fracture means a Fracture in which a piece of the bone is broken off near a joint at a place where a ligament is usually attached. Chiropractor means a person other than you or any family member, who is licensed to diagnose and treat neuromuscular disorders, with an emphasis on treatment through manual adjustment and/or manipulation of the spine, in the state in which treatment is received and providing treatment or advice in accordance with the license. Confined or Confinement means that on the advice of a Doctor, your assignment to a bed as a resident inpatient in a Hospital or Critical Care Unit or Rehabilitation Facility. Being admitted to an Observation Unit for 20 hours or more also meets the definition of Confined or Confinement. There must be a charge for room and board for the confinement, other than in any government, military or veterans’ facility or Observation Unit. Covered Accident means an Accident that:  occurs on or after your coverage effective date and the effective date of any riders,  occurs while your coverage is in force, and  is not excluded by name or specific description in the Policy. Critical Care Unit means a specifically designated part of a Hospital commonly referred to as an intensive care unit which meets all of the following requirements:  It provides the highest level of medical care and is restricted to patients who are critically ill or injured and who require intensive comprehensive observation and care.  It is separate and apart from the surgical recovery room and from rooms, beds and wards customarily used for patient confinement.  It is permanently equipped with special lifesaving equipment for the care of the critically ill or injured.  It is under constant and continuous observation by a specially trained nursing staff assigned exclusively to the intensive care unit on a 24 hour basis.  It is assigned a Doctor on a full-time basis. Critical Care Unit does not include a sub-acute intensive care unit that provides a level of medical care below intensive care, but above a regular private or semi-private room or ward such as a step-down unit. Dislocation means a separated joint.  Complete Requiring Surgical Repair means a completely separated joint that requires surgical repair.  Complete means a completely separated joint that does not require surgical repair.  Incomplete means the joint is not completely separated.