SECTION2-DEFINITIONS Continued PERMANENTANDTOTALDISABILITY/PERMANENTLYANDTOTALLYDISABLEDmeansYourinability as determined by a Physician to engage, due to Accidental Bodily Injury or Sickness in any occupation for which You are fitted by training, education or experience. Permanent and Total Disability/Permanently and Totally Disability must occur after You become insured under the Policy and it must be conclusively determined the Permanent And Total Disability will continue for Your lifetime. PERSONALINSURANCEmeanstheinsuranceprovidedunderthepolicyforYou. PHYSICIANmeansaqualified,licenseddoctorof medicineor osteopathy, and any other licensed health care provider that state law requires to be licensed prior to engaging in the practice of medicine and who is, practicing within the scope of his specialty, license, and applicable law. Physician does not include any medical provider affiliated with the Group Policyholder, or anyone related by blood, marriage, or domestic partnership to an Employee. REGULARATTENDANCEmeansthatYouorYourDependent: 1) are receiving periodic medical treatment and services from a Physician when medically required and according to standard medical protocol to effectively manage and treat Your or Your Dependent’s Disability; 2) are receiving the most appropriate treatment and care that will maximize Your medical improvement and aid in Yourreturn to work; and 3) are receiving medical care and services from a Physician whose specialty or practice is related to the Disability. RETIREEmeansanindividualwho,onhislastdayofActiveWorkpriortoretirement,wasanActivelyatWork Employeeandwhoisreceivingbenefitsunder the Group Policyholder’s retirement plan. Retiree does not include an Employeewhoisreceivingbenefits under his retirement plan solely due to being Totally Disabled and who otherwise does not meet the Group Policyholder’s retirement plan’s criteria for receipt of benefits. SICKNESSmeansillness,bodily disorder or disease, Mental Illness, normal pregnancy and complications of pregnancy. Complication of Pregnancy is defined as concurrent disease or abnormal conditions significantly affecting the usual medical management of pregnancy. TEMPORARYLAY-OFFmeansaperiodoftimeduringwhichYouarenotActivelyatWorkduetolackofworkand are not terminated from employment with the Group Policyholder. TOTALDISABILITYANDTOTALLYDISABLEDmeanthatbecauseofAccidentalBodilyInjuryorSicknessYou cannot engage in any occupation for which You are reasonably fitted by training, education, or experience. If You accept any type of employment, other than in a state-approved rehabilitation program or sheltered workshop, You will be considered fitted to that occupation. WE,OUR,US,andAULmeanAmericanUnitedLifeInsuranceCompany. YOUandYOURmeansanEmployeewhomeetstherequirementsoftheEligibilityandIndividualEffectiveDate Sections. GC2510.3/3A SECTION2-DEFINITIONS (AnyOcc)