DEFINITIONS HC13GPIN 8 B-21113 (11/25) MATERIAL AND SUBSTANTIAL DUTIES means duties that are normally required for the performance of your regular occupation and that cannot be reasonably omitted or modified, except that if you are required to work on average in excess of 40 hours per week, we will consider you able to perform that requirement if you have the capacity to work 40 hours per week. MAXIMUM BENEFIT means the total monthly benefit amount for which you are insured under the policy subject to all policy provisions. MAXIMUM CAPACITY means, based on your restrictions and limitations: • During the regular occupation period, the greatest extent of work you are able to do in your regular occupation. • Beyond the regular occupation period, the greatest extent of work you are able to do in any occupation for which you are reasonably fitted by education, training or experience. MAXIMUM PERIOD OF PAYMENT means the longest period of time we will make payments to you for any one period of disability. MENTAL ILLNESS means a psychiatric or psychological condition classified in the Diagnostic and Statistical Manual of Mental Health Disorders (DSM), published by the American Psychiatric Association, most current as of the start of a disability. Such disorders include, but are not limited to: psychotic, emotional or behavioral disorders, or disorders related to stress or to substance abuse or dependency. If the DSM is discontinued or replaced, these disorders will be those classified in the diagnostic manual then used by the American Psychiatric Association as of the start of a disability. MONTHLY EARNINGS means your gross monthly income from your Employer as stated in the BENEFITS AT A GLANCE. MONTHLY PAYMENT means your benefit after any deductible sources of income and disability earnings have been subtracted from your gross monthly payment. OCCUPATIONAL SICKNESS OR INJURY means a sickness or injury that was caused by or aggravated by any employment for pay or profit. PART-TIME BASIS means the ability to work and earn from 20% through 80% of your indexed monthly earnings. Ability is based on capacity and not market availability. PAYABLE CLAIM means a claim for which we are liable under the terms of the policy. POLICYHOLDER means the Employer to whom the policy is issued and who sponsors the coverage for its employees. PRE-EXISTING CONDITION means any condition for which you have done any of the following at any time during the 3 months just prior to your effective date of coverage, whether or not that condition is diagnosed or misdiagnosed: • Received medical treatment or consultation. • Taken or were prescribed drugs or medicine. • Received care or services, including diagnostic measures. RECURRENT DISABILITY means a disability for which both of the following are true: • It is caused by a worsening in your condition. • It is due to the same cause(s) as your prior disability for which we made a monthly payment. REGULAR OCCUPATION means the occupation you are routinely performing when your disability begins. We will look at your occupation as it is normally performed in the national economy, instead of how the work tasks are performed for a specific employer or at a specific location. REGULAR OCCUPATION PERIOD is the period of time shown in the BENEFITS AT A GLANCE that begins after the elimination period.