ICC18 LR14GP-ADD-2 5 ADD-12995 (11/25) Common Carrier means any commercial transportation that operates on a regularly scheduled basis between predetermined points or cities, and the public conveyance is operated by and licensed for passenger service. Covered Person means:  You, if you are covered for life insurance under the Policy.  Your Spouse who is covered for Supplemental coverage under the Spouse Life Insurance Rider.  Your Children who are covered for Supplemental coverage under the Children’s Life Insurance Rider. For benefits other than death, this includes your Children from the date of birth. Doctor means a person 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 physician. 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. This definition does not include you or your spouse, or your or your spouse’s children, parents, grandparents, grandchildren, siblings and their spouses. Loss of a Foot means the foot is permanently severed from the body at or above the ankle but below the knee. Loss of a Hand means the hand is permanently severed from the body at or above the wrist, but below the elbow. Loss of a Hand includes loss of the thumb and index finger of the same hand where the thumb and index finger are permanently severed through or above the metacarpophalangeal joints (i.e. the third joint from the tip of the finger or the second joint from the tip of the thumb). Loss of a Leg means the leg is permanently severed from the body at or above the knee. Loss of an Arm means the arm is permanently severed from the body at or above the elbow. Loss of Hearing means the entire and irrevocable loss of hearing in both ears, as determined by a Doctor. Loss of Sight means permanent and uncorrectable loss of sight in an eye, as determined by a Doctor. The visual acuity must be 20/200 or worse in the eye, or the field of vision must be less than 20 degrees. Loss of Speech means the entire and irrevocable loss of speech as determined by a Doctor. Paralysis means the total impairment of voluntary movement and sensory function of a limb (arm or leg), without severance, and the paralysis is determined by a Doctor to be permanent, complete and irreversible. Safety Belt means a passenger restraint system properly installed in the Automobile in which the Covered Person was riding at the time of the Accidental Injury, which consists of a belt or strap. GENERAL PROVISIONS ELIGIBILITY If you are working for the Employer in an eligible class (shown in the Certificate’s SCHEDULE OF BENEFITS), you are eligible for this rider on the latest of the following dates:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date. ENROLLMENT If you are eligible for AD&D coverage, you must enroll for Contributory AD&D coverage before Contributory coverage will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment.