5 I. DEFINITIONS Active Work and Actively at Work are defined in the “Eligibility for Insurance” section. Annual Salary: Your current salary or wage from your Employer for the previous twelve months. Annual Salary does not include extra pay, annuity contributions, commissions, bonuses, overtime pay or any other extra compensation. Contributory means that You pay all or a portion of the premium for insurance. Disabled or Disability means that as a result of Physical Disease or Injury, you are unable to perform with reasonable continuity a majority of the material duties of any occupation for which you are qualified by education, training and experience, and you are under the Regular Care and Attendance of a Physician. Eligible Class means an employment classification defined by the Employer and specified in the “Schedule of Benefits.” You must be a member of an Eligible Class in order to be eligible for insurance under the Group Policy. Eligible Dependent is defined in the “Eligibility for Insurance” section. Eligible Employee is defined in the “Eligibility for Insurance” section. Employee is defined in the “Eligibility for Insurance” section. Employer means an Employer (including approved affiliates and subsidiaries) participating in the Policyholder Trust to whom We have assigned a Plan Number and issued a Joinder Agreement. Evidence of Insurability 1. Providing Evidence of Insurability means that a person applying for coverage under the Group Policy must: a) complete and sign Our Evidence of Insurability application and return the original application to Us. The application must be received by Us no later than 60 days from the date of signing; and b) authorize Us to obtain information about the applicant’s health; and c) undergo a physical examination, if required by Us, which may include diagnostic testing; and d) provide any additional information about the applicant’s insurability that We may reasonably require. 2. If any applicant is required to provide Evidence of Insurability, the applicant will be responsible for all costs associated with providing Evidence of Insurability. 3. In each case where Evidence of Insurability is required, We base Our decision whether to approve coverage on the information provided during the underwriting process. If We learn that the information relied on to approve coverage was incorrect, or that relevant information was omitted, We may retroactively rescind coverage and deny claims. Group Policy (Policy) means the group insurance Policy issued by Us to the Policyholder under a specified Plan Number. Guarantee Issue is the amount of coverage provided which is not subject to Evidence of Insurability. Hospital means a legally operated Facility providing full-time medical care and treatment under the direction of a full-time staff of licensed Physicians, but not including rest homes, nursing homes, convalescent homes, homes for the aged and facilities primarily affording custodial, educational, or rehabilitative care. Injury: Bodily Injury due to an Accident which: (1) results directly and independently of disease, bodily infirmity or any other causes; (2) solely, directly and independently of all other causes results in medical expense; (3) occurs after the effective date of the Insured Person's coverage; and (4) occurs while the Insured Person's coverage is in force. All Injuries sustained in any one Accident, including all related conditions and recurrent symptoms of these Injuries, are considered a single Injury.