DEFINITIONS HC13GPIN 6 B-21113 (11/25) ACTIVE EMPLOYMENT means you are working for your Employer for earnings that are paid regularly and that you are performing the material and substantial duties of your regular occupation. You must be working at least the minimum number of hours as described under the MINIMUM HOURS REQUIREMENT in the BENEFITS AT A GLANCE. To be in active employment, your work site must be one of the following: • Your Employer's usual place of business. • An alternative work site at the direction of your Employer, including your home. • A location to which your job requires you to travel. Normal vacation is considered active employment. Temporary and seasonal workers are excluded from coverage. ACTIVITIES OF DAILY LIVING means: • BATHING – washing oneself by sponge bath; or in either a tub or shower, including the task of getting into and out of the tub or shower. • DRESSING – putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs. • TOILETING – getting to and from the toilet, getting on and off the toilet, and performing associated personal hygiene. • TRANSFERRING – moving into and out of a bed, chair or wheelchair. • MOBILITY – the ability to walk or wheel on a level surface from one room to another with or without the assistance of equipment. • CONTINENCE – the ability to maintain control of bowel or bladder function; or, when unable to maintain control of bowel or bladder functions, the ability to perform associated personal hygiene (including caring for catheter or colostomy bag). • EATING – feeding oneself by getting food into the body from a receptacle (such as a plate, cup or table). APPROPRIATE CARE means that all of the following are true: • You visit a doctor as frequently as medically required according to standard medical practice to effectively treat and manage your disabling condition(s). • You receive care or treatment appropriate for the disabling condition(s), conforming with standard medical practice, by a doctor whose specialty or experience is appropriate for the disabling condition(s) according to standard medical practice. • You have the obligation to minimize your disabling condition including having corrective treatment or minor surgery. COGNITIVE IMPAIRMENT means you have a deterioration or loss in intellectual capacity, resulting from injury, sickness, Alzheimer's disease or similar forms of irreversible dementia and you need another person's active help or verbal guidance for your own protection or for the protection of others. The deterioration or loss will be based on clinical evidence and/or clinical tests, according to generally accepted medical standards, that reliably measure your impairment. Cognitive impairments which begin prior to the effective date of your coverage will not be covered. CONTEST means that, if we determine you made a material misrepresentation in your application for coverage under the policy, we notify you in writing that such coverage was therefore never effective. This is subject to the INCONTESTABILITY provision. DEDUCTIBLE SOURCES OF INCOME means income from other sources as listed in the certificate which you receive or are eligible to receive while you are disabled. This income will be subtracted from your gross monthly payment. DISABILITY EARNINGS means the earnings which you receive while you are disabled and working, plus the earnings you could receive if you were working to your maximum capacity.