DEFINITIONS "We," "us" and "our" means Reliance Standard Life Insurance Company. "You," "your" and "yours" means the employer, union or other entity to which the Policy is issued and which is deemed the Policyholder. "Eligible Person" means a person who meets the eligibility requirements of the Policy. "Insured" means a person who meets the eligibility requirements of the Policy and is enrolled for this insurance. "Actively at Work" and "Active Work" means the person actually performing on a Full-time basis each and every duty pertaining to his/her job in the place where and the manner in which the job is normally performed. This includes approved time off such as vacation, jury duty and funeral leave, but does not include time off as a result of injury or illness. CLASS 1, 2, 3 & 5: "Full-time" means working for you for a minimum of 30 hours during a person's regularly scheduled work week. CLASS 4: "Full-time" means working for you for a minimum of 8 hours during a person's regularly scheduled work week. CLASS 6: "Full-time" means working for you for a minimum of 15 hours during a person's regularly scheduled work week. "The date he/she retires" or "retirement" means the effective date of an Insured's: (1) retirement pension benefits under any plan of a federal, state, county or municipal retirement system, if such pension benefits include any credit for employment with you; (2) retirement pension benefits under any plan which you sponsor, or make or have made contributions; or (3) retirement benefits under the United States Social Security Act of 1935, as amended, or under any similar plan or act. "Earnings", as used in the SCHEDULE OF BENEFITS section, means the Insured’s annual salary received from you on the day just before the date of loss. Earnings does not include commissions, overtime pay, bonuses, incentive pay or any other special compensation not received as basic salary. If hourly employees are insured, the number of hours worked during a regularly scheduled work week, not to exceed 40 hours per week, times 52 weeks, will be used to determine annual earnings. "Total Disability", as used in the WAIVER OF PREMIUM IN EVENT OF TOTAL DISABILITY section, means an Insured's complete inability to engage in any type of work for wage or profit for which he/she is suited by education, training or experience. CLASS 1, 2, 3, 4 & 5: "Loss" as used in the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE section, with respect to: (1) hand or foot, means the complete severance through or above the wrist or ankle joint; (2) the eye, speech or hearing, means total and irrecoverable loss thereof. LRS-6422-3 Ed. 06/01 Page 2.0