ICC19 RL-STD-CERT-19 5 D12972 (11/25) DEFINITIONS Accident 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. You must be working at least the minimum number of hours as described under the MINIMUM HOURS REQUIREMENT shown in the SCHEDULE OF BENEFITS. To be in active employment your work site must be:  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. We will consider you to be in active employment on personal holidays, weekends, holidays, planned vacations that your Employer has approved in advance and during a temporary business closure not to exceed 15 day(s) if you were in active employment on the last scheduled work day immediately prior to such time off. A temporary business closure includes a closure due to inclement weather, power outage or public health agency orders. Temporary workers are excluded from coverage. Seasonal workers are excluded from coverage. Open Enrollment Period means a period of time before the beginning of the Policy Anniversary Date. Appropriate Care means that all of the following are true:  You visit a Doctor as frequently as medically required according to standard medical practice to effectively treat and manage your disabling condition(s).  You receive care or treatment appropriate for the disabling condition(s), conforming with standard medical practice, by a Doctor whose specialty or experience is appropriate for the disabling condition(s) according to standard medical practice.  You have the obligation to minimize your disabling condition including having corrective treatment or minor surgery. Certificate means the document that explains the parts of the Policy which apply to eligible Insured Persons. It may include riders, endorsements or amendments. Child means your biological children, adopted children, stepchildren, children who are dependent on you for financial support and living with you in a regular parent-child relationship, and any other children required to be covered under the civil union, domestic partnership, marriage, or other family or domestic relations law of the governing jurisdiction. A child will be considered adopted on the date of placement in your home. If the Certificate is delivered in a state different from the governing jurisdiction of the Policy, the Certificate shall, if required, comply with the applicable civil union, domestic partnership, marriage or other family or domestic relations law of the state in which the Certificate is delivered. Contributory means insurance for which the Policyholder requires you to pay all or a portion of the Premium. Deductible Sources of Income means income from other sources as listed in the Certificate which you receive or are eligible to receive while you are Disabled. This income will be subtracted from your Gross Weekly Payment. Disability or Disabled means Total Disability or Totally Disabled and Partial Disability or Partially Disabled Disability Earnings means the earnings which you receive while you are Disabled and working, plus the earnings you could receive if you were working to your Maximum Capacity.