DEFINITIONS (Continued) Monthly benefit period means the time period upon which benefit payments are based. The first monthly benefit period during a period of care begins the day after the elimination period is satisfied and ends on the day before the next monthly date. Each subsequent monthly benefit period begins on the monthly date after the last monthly benefit period ended and ends on the day before the next monthly date. Each day in a period of care after the elimination period is satisfied applies to one monthly benefit period only. Nursing care facility means a facility that meets all of the following standards: 1. it is licensed by the state in which it is located; 2. it is a separate facility or a distinct part of another facility physically separated from the rest of such facility; 3. it provides confined nursing care to individuals who are not able to care for themselves and who require nursing care; 4. its primary function is to provide nursing care, and room and board; and the facility charges for these services. The care must be performed under the direction of a licensed physician, or a licensed graduate nurse (R.N.), or licensed practical nurse (L.P.N.); and 5. it is not, other than incidentally, a hospital, a home for the aged, a retirement home, a rest home, a community living center, or a place mainly for the treatment of alcoholism, mental illness or drug abuse. Period of care means the period that begins on the first day the insured incurs a charge for qualified long term care services covered under this rider. It ends when, for a period of 180 consecutive days, the insured has not: 1. received qualified long term care services covered under this rider; or 2. been chronically ill. Plan of care means a written individualized plan of care or services prepared by a licensed health care practitioner that specifies: 1. the type and frequency of all care or services required; 2. the care or service provider; and 3. the cost of care or services. Pre-existing condition means a condition for which medical advice or treatment was recommended by or received from a physician or other member of the medical profession within 6 months before the rider effective date. Qualified confined care services mean necessary diagnostic, preventive, therapeutic, curing, treating, mitigating and rehabilitative services, and maintenance or personal care services which are required by a chronically ill individual and are provided by, and pursuant to a plan of care prescribed by, a licensed health care practitioner in an assisted living facility or nursing care facility. Qualified long term care services mean qualified confined care services and qualified non-confined care services. Qualified non-confined care services mean necessary diagnostic, preventive, therapeutic, curing, treating, mitigating and rehabilitative services, and maintenance or personal care services which are required by a chronically ill individual and are provided by a home health care practitioner, and pursuant to a plan of care prescribed by a licensed health care practitioner, by means of home health care or adult day care. GWPLTCE1IN Page 4