"Inpatient" means a person confined in a Skilled Nursing Home, Rehabilitation Facility or Rehabilitative Hospital, for whom a daily room and board charge is made. "Pre-existing Condition" means with respect to the Extended Disability Benefit only, any Sickness or Injury for which the Insured received medical treatment, consultation, care or services, including diagnostic procedures, or took prescribed drugs or medicines, during the three (3) months immediately preceding the Insured’s effective date of insurance. "Rehabilitation Facility or Rehabilitative Hospital" means any facility or Hospital that is licensed in the state in which it is operating to provide rehabilitation services, therapy or retraining to the Insured to enable him or her to walk, communicate, and/or function as a member of society. "Skilled Nursing Home" means a facility or part of a facility that is licensed or certified in the state in which it is operating to provide Skilled Nursing Care. "Skilled Nursing Care" means that level of care which: (1) requires the training and skills of a Registered Nurse; (2) is prescribed by a Physician; (3) is based on generally recognized and accepted standards of health care by the American Medical Association; and (4) is appropriate for the diagnosis and treatment of the Insured’s Sickness or Injury. "Terminal Illness" means a Sickness or physical condition that is certified by a Physician in a written statement, on a form prescribed by us, to reasonably be expected to result in death in less than 12 months. "Written Request" means a request made, in writing, by the Insured to us. Pre-existing Conditions Limitation: With respect to the Extended Disability Benefit only, benefits will not be paid for a Total Disability: (1) caused by; (2) contributed to by; or (3) resulting from; a Pre-existing Condition unless the Insured has been Actively at Work for one (1) full day following the end of twelve (12) consecutive months measured from the Insured’s effective date of insurance with us. No benefits will be paid under the Extended Disability Benefit if the Insured’s Total Disability occurred before the Insured’s effective date of insurance with us. The Extended Disability Benefit will cease to be payable on the earliest of the following dates: (1) the date the Insured dies; or (2) the date the Insured no longer meets the requirements of Total Disability of this Policy; or (3) the date the Insured: (a) is no longer confined as an Inpatient in a Skilled Nursing Home, Rehabilitative Facility or Rehabilitation Hospital; or (b) is no longer receiving Home Health Care or Hospice Care; or (4) the date the Insured is no longer considered Cognitively Impaired; or (5) the date the Insured is no longer unable to perform at least two Activities of Daily Living (ADL); or (6) the date the Insured receives his or her sixtieth (60th) monthly Extended Disability Benefit payment. The Extended Disability Benefit will not be payable for Total Disability which is caused by or results from conditions for which Monthly Benefits are specifically limited by this Policy such as Mental or Nervous Disorders, alcoholism, drug addiction, or other Substance Abuse, musculoskeletal and connective tissue disorders, chronic fatigue syndrome, Environmental Allergic or Reactive Illness, or Self-Reported Conditions. LRS-6564-205-0501 Page 17.1