DEFINITIONS "We", "us", and "our" means Reliance Standard Life Insurance Company. "You", "your", and "yours" means a person who meets the eligibility requirements of the Policy and is enrolled for this insurance. "Actively at Work" and "Active Work" means you are actually performing on a Full-time basis each and every duty pertaining to your job working for the Policyholder in the place where and the manner in which the job is normally performed. This includes approved time off for vacation, jury duty and funeral leave, but does not include time off as a result of injury or sickness. "Burns" means: (1) 2nd degree burns, which are those that have burned through the first layer of skin as well as the second layer of skin (dermis); and (2) 3rd degree burns, which are those that have burned through all layers of the skin and causes permanent tissue damage; and cover a specific percentage of the body as shown on the Schedule of Benefits. "Catastrophic Loss" means 2 or more Losses, as defined, excluding the Loss of a finger, thumb or toe or any combination thereof. Loss of speech is considered catastrophic without an accompanying Loss. "Coma" means a state of profound unconsciousness, from which one cannot be aroused, that lasts continuously for at least a period of 168 hours requiring confinement in a Hospital under the care of a Physician, board certified as a neurologist. The Physician’s diagnosis must be supported by a Glasgow Coma Scale score of no greater than 7 or a score of Level V or less on the Rancho Los Amigos Scale throughout the 168 hour period and an abnormal Electroencephalogram (EEG). "Common Carrier" means any: (1) aircraft operated under a license for hire for the transportation of passengers; or (2) land conveyance licensed for hire for the transportation of passengers. "Concussion" means a blow to the head that results in loss of consciousness, confusion, loss of memory or generally being dazed. "Covered Accident" means an accident or event that: (1) could not have been foreseen, anticipated or expected; (2) occurs while your or your Insured Dependents coverage is in force under the Policy; (3) occurs on or off the job; (4) results in Injury for which benefits may be payable; and (5) is not excluded under the terms of the Policy. "Dentist" means a licensed doctor of dentistry, operating within the scope of his or her license, in the jurisdiction in which such license was issued. The Dentist may not be you or a member of your Immediate Family.. "Dependents" means: (1) your legal spouse; and (2) your child(ren), from birth to 26 years, including natural children, legally adopted children, children who are dependent on you during the waiting period before adoption, stepchildren, foster children and children under your legal guardianship; and (3) your child(ren) beyond the limiting age who is incapable of self-sustaining employment by reason of intellectual disability or physical handicap and who is chiefly dependent on you for support and maintenance. LRS-9548-0318-IN Page 2.0