RL-HI2-CERT-20-IN 5 D12970 (11/25) DEFINITIONS Accident or Accidental means an unforeseen event that results in a bodily Injury. Active Employment 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. Temporary and seasonal workers are excluded from coverage. Certificate means the document that explains the parts of the Policy which apply to eligible Insured Persons. It may include riders, endorsements or amendments. 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 (CCU). There must be a charge for room and board, other than in any government, military or veterans’ facility for which there is no charge for room and board. 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. Doctor means a person other than you or any family member, who is licensed to practice medicine in the state in which treatment is received and providing treatment or advice in accordance with the license. State law may require consideration of professional services of a practitioner other than a medical doctor. If so, then this definition includes persons recognized as qualified to treat the condition for which claim is made by the state in which treatment is received. Eligibility Waiting Period means the continuous period of time (shown in the SCHEDULE OF BENEFITS) that you must be in Active Employment in an eligible class before you are eligible for coverage under the Policy. Employee means a person who is a citizen or legal resident of the United States in Active Employment with the Employer in the United States. Employer means the Policyholder and includes any division, subsidiary or affiliated company named in the Policy.