DEFINITIONS (Continued) Assisted living facility means a facility that is primarily engaged in providing ongoing care and related services to at least 10 inpatients in one location and meets all of the following criteria: 1. it is licensed by the appropriate licensing agency, if the state in which it operates licenses such facilities; 2. it provides 24 hour a day care and services sufficient to support needs resulting from being chronically ill; 3. it has a trained and ready to respond employee on duty at all times to provide care; 4. it provides 3 meals a day and accommodates special dietary needs; 5. it has formal arrangements for the services of a physician or nurse to furnish medical care in case of an emergency; and 6. it has appropriate methods and procedures for handling and administering drugs and biologicals. Chronically ill means the insured has been certified by a licensed health care practitioner within the preceding 12 month period as: 1. being unable to perform, without substantial assistance from another individual, at least 2 ADLs for a period of at least 90 days due to a loss of functional capacity; or 2. requiring substantial supervision to protect oneself from threats to health and safety due to cognitive impairment. Cognitive impairment means a deficiency in the insured’s: 1. short or long term memory; 2. orientation as to person, place and time; 3. deductive or abstract reasoning; or 4. judgment as it relates to safety awareness. This deficiency must be to such a degree as to require supervision 24 hours a day to maintain the safety of the insured or others. A diagnosis of cognitive impairment must be confirmed by clinical evidence and testing that reliably measures impairment. Confined or confinement means admitted as an inpatient in an assisted living facility or nursing care facility for which a room and board charge is made by the facility. It does not include confinement for an observation room or a fractional part of a day. Day means a 24 hour period which begins and ends at 12:01 a.m. Death benefit amount means the death benefit amount of a certificate. This does not include the death benefit for any riders that may be attached to a certificate. Elimination period means the number of days at the beginning of a period of care for which benefits are not payable under this rider. The number of days in the elimination period for this rider is 90. In order for a day to count as a day in the elimination period, the following requirements must be met: 1. the insured must be chronically ill; and 2. charges must be incurred for the qualified long term care services of the insured. Home means: 1. the insured’s private residence; 2. a residential care facility; 3. a rest home; 4. a boarding home; 5. a home for the aged; 6. a community living center; or 7. a place that provides domiciliary or retirement care. A home does not include a nursing care facility, a hospital, or a hospice care facility. GWPLTCE1IN Page 2