6 Insured Person means an Eligible Employee, Eligible Dependent or Eligible Retiree whose coverage is in effect under the Group Policy. Joinder Agreement means the document entered into between the Policyholder and the Employer describing the coverage requested by the Employer with respect to its Employees, which has been approved by Us and assigned a Plan Number. Late Enrollee means an Employee or Dependent who applies for coverage under the Group Policy more than 31 days after becoming an Eligible Employee or Eligible Dependent. Limiting Age means the Child age(s) shown in the definition of Child in the Eligibility for Insurance section. Mental Disorder means any mental, emotional, behavioral, psychological, personality, cognitive, mood or stress related abnormality, disorder, disturbance, dysfunction or syndrome listed in the latest edition of the American Psychiatric Association Diagnostic and Statistical Manual or the International Classification of Disease. Noncontributory means the Employer pays the entire premium for insurance. Physical Disease means a Physical Disease entity or process that produces structural or functional changes in the body as diagnosed by a Physician. Physical Disease includes pregnancy and Mental Disorder. Physician means a licensed medical professional under the laws of a state of the United States of America, acting within the scope of such license, who is permitted by law to prescribe medications and practice independent of supervision. For the purpose of this Group Policy, Physician will not include the Insured Person’s Spouse, parent, brother, sister, or Child, including these members of a Spouse’s family. Plan Effective Date means the date on which the Group Policy, with respect to the Employer, becomes effective. Plan Number means the number used by Us to reference an Employer and the terms of coverage specified under the Group Policy and Joinder Agreement. Prior Plan means the Employer’s group life insurance plan in effect on the day immediately preceding the Plan Effective Date. Proof of Loss is defined in the “Claims Provisions” section. Regular Care and Attendance means observation and treatment by a Physician as required by current standards of medicine for the Injury or Physical Disease causing a Disability, but in any event not less than one such observation per year. Retire and Retirement Date means the earlier of: 1. the date You Retire as such term is defined by Your Employer; 2. the date You receive or become eligible to receive, as defined by the Employer, retirement benefits under any pension plan to which the Employer contributes, 3. or the date You receive or become eligible to receive retirement benefits under, and as defined by, any state or federal retirement plan or under the Social Security Act or Railroad Retirement Act. 4. the date You reach the age defined in the “Schedule of Benefits”. You and Your means the Eligible Employee. Waiting Period for Insurance Coverage is defined in the “Eligibility for Insurance” and “Schedule of Benefits”.