SPECIFIC INDEMNITY BENEFIT If the Insured suffers any one of the Losses listed below from an accident resulting in an Injury, we will pay a guaranteed minimum number of Monthly Benefit payments, as shown below. However: (1) the Loss must occur within one hundred and eighty (180) days; and (2) the Insured must live past the Elimination Period. For Loss of: Number of Monthly Benefit Payments: Both Hands ............................................................................................................................................................... 46 Months Both Feet .................................................................................................................................................................. 46 Months Entire Sight in Both Eyes .......................................................................................................................................... 46 Months Hearing in Both Ears ................................................................................................................................................ 46 Months Speech .................................................................................................................................................................... 46 Months One Hand and One Foot ......................................................................................................................................... 46 Months One Hand and Entire Sight in One Eye ................................................................................................................... 46 Months One Foot and Entire Sight in One Eye ..................................................................................................................... 46 Months One Arm ................................................................................................................................................................... 35 Months One Leg .................................................................................................................................................................... 35 Months One Hand ................................................................................................................................................................ 23 Months One Foot ................................................................................................................................................................... 23 Months Entire Sight in One Eye ............................................................................................................................................ 15 Months Hearing in One Ear ................................................................................................................................................... 15 Months "Loss(es)" with respect to: (1) hand or foot, means the complete severance through or above the wrist or ankle joint; (2) arm or leg, means the complete severance through or above the elbow or knee joint; or (3) sight, speech or hearing, means total and irrecoverable Loss thereof. If more than one (1) Loss results from any one accident, payment will be made for the Loss for which the greatest number of Monthly Benefit payments is provided. The amount payable is the Monthly Benefit, as shown on the Schedule of Benefits page, with no reduction from Other Income Benefits. The number of Monthly Benefit payments will not cease if the Insured returns to Active Work. If death occurs after we begin paying Monthly Benefits, but before the Specific Indemnity Benefit has been paid according to the above schedule, the balance remaining at time of death will be paid to the Insured’s estate, unless a beneficiary is on record with us under this Policy. Benefits may be payable longer than shown above as long as the Insured is still Totally Disabled, subject to the Maximum Duration of Benefits, as shown on the Schedule of Benefits page. LRS-6564-13 Ed. 2/83 Page 13.0