DEFINITIONS HC13GPIN 9 B-21113 (11/25) RETIREMENT PLAN means a defined contribution plan or defined benefit plan. These are plans which provide retirement benefits to insured persons and are not funded entirely by insured person contributions. Retirement plan includes but is not limited to any plan which is part of any federal, state, county, municipal or association retirement system. SALARY CONTINUATION or ACCUMULATED SICK LEAVE means continued payments to you by your Employer of all or part of your monthly earnings, after you become disabled as defined by the policy. This continued payment must be part of an established plan maintained by your Employer, and includes salary continuation or accumulated sick leave or any similar Employer sponsored paid time off plan. SICKNESS means illness, disease or physical condition. Disability resulting from the sickness must begin while you are covered under the policy. SPECIAL CONDITIONS means any of the following: • Musculoskeletal and connective tissue disorders of the neck, back and shoulders including any disease or disorder of the cervical, thoracic and lumbosacral back and its surrounding soft tissue including herniated or ruptured discs not requiring surgery, as well as sprains and strains of joints and adjacent muscles, except for any of the following: – Scoliosis. – Spinal fractures. – Osteopathies. – Traumatic spinal cord necrosis. – Radiculopathies, documented by electromyogram. – Spondylolisthesis, grade II or higher. – Myelopathies and myelitis. – Demyelinating diseases. – Spinal tumors, malignancy, or vascular malformations. • Chronic fatigue syndrome. • Environmental allergic illness including but not limited to sick-building syndrome and multiple chemical sensitivity. • Carpal tunnel syndrome not requiring surgery. • Fibromyalgia. • Myofascial pain syndrome. STAND-BY HELP means you must have hands-on (active) help from another person with all or most of the activity. TEMPORARY LAYOFF means you are absent from active employment for a period of time that has been agreed to in advance in writing by your Employer. Your normal vacation time or any period of disability is not considered a temporary layoff. TERMINAL ILLNESS means a diagnosed illness that, according to generally accepted medical standards, is expected to result in death within 12 months. VOCATIONAL REHABILITATION PLAN means a written plan that a vocational rehabilitation professional, designated by us, prepares in accordance with the VOCATIONAL REHABILITATION SERVICES provision of the certificate. WAITING PERIOD means the continuous period of time (shown in the BENEFITS AT A GLANCE) that you must be in active employment in an eligible class before you are eligible for coverage under the policy. WE, US and OUR means ReliaStar Life Insurance Company. YOU and YOUR means a person who is eligible for coverage under the policy.