ICC18 LC14GP-2 5 D12995 (11/25) 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. You must be working at least the minimum number of hours as described under the MINIMUM HOURS REQUIREMENT shown in the SCHEDULE OF BENEFITS. 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. Basic Yearly Earnings means the yearly salary or wage you receive for work done for the Employer as of the later of the Policy effective date, or the immediately preceding Policy anniversary date, or your hire date. It does not include bonuses, commissions or overtime pay. Beneficiary means the person(s) or entity to whom we will pay the life insurance benefits in accordance with the BENEFICIARY and PAYMENT OF PROCEEDS provisions. Certificate means this document that describes the benefits and rights of insured Employees under the Policy. It may include riders, endorsements or amendments. Contributory means insurance for which insured Employees are required to pay any part of the Premium. 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, including its territories and possessions, and who is in Active Employment with the Employer in the United States. The term includes a Class 4, Class 5 or Class 6 Retiree. Employer means the Policyholder and includes any division, subsidiary or affiliated company named in the Policy. Evidence of Insurability means your affirmation, on a form acceptable to us, of various factors that we will use to determine if you are approved for coverage. Those factors may include, but are not limited to, your medical history and treatment, driving record, and/or family medical history. We may also, at our expense, request additional information to determine your eligibility for coverage. Noncontributory means insurance for which insured Employees are not required to pay any part of the Premium. Policy means the Written group insurance contract between us and the Policyholder, including the Certificates issued to insured Employees. It may include riders, endorsements or amendments. Policyholder means the entity to whom the Policy is issued, as shown on the first page of this Certificate. Premium(s) means the amount the Policyholder and/or you must pay to us for the insurance provided under the Policy. Retiree means a person who is receiving retirement benefits under an eligible retirement plan sponsored by the Employer. DEFINITIONS