"Dislocation" means complete displacement of a bone from its normal articulation with a joint, also called luxation. Partial Dislocation is an incomplete displacement of a bone from its normal articulation with a joint, also called subluxation. "Eligible Person" means a person who meets the Eligibility Requirements of the Policy. "Epidural Anesthesia Injection" means injection of drugs through a catheter placed into the epidural space. "Fracture" means a bone that is broken which is diagnosed by a Physician. A Chip Fracture means that a fragment of bone has been broken off. "Full-time" means working for the Policyholder for a minimum of 15 hours during your regularly scheduled work week. "Glasgow Coma Scale" means a system for assessing the severity of brain impairment in an individual with a brain injury that uses the sum of scores given for eye-opening, verbal, and motor responses. "Hospital" means a legally operated, accredited facility licensed to provide full-time care and treatment for the condition for which benefits are payable under the Policy. It is operated with a full-time staff of Physicians and registered nurses. It does not include facilities that primarily provide custodial or rehabilitative care, education, or long-term institutional care on a residential basis. "Hospital Confinement/Confined" means that you or your Insured Dependent have been formally admitted to or placed under observation in a Hospital and remains in the Hospital more than 23 hours. "Immediate Family" means your or your Dependent's parents, siblings, spouse or children. "Injury" means bodily injury to you or your Insured Dependent resulting directly from an accident independent of all other causes, which occurs while your or your Insured Dependent's coverage under the Policy is in force. "Inpatient" means that you or your Insured Dependent have been Hospital confined. "Insured Dependent" means a "Dependent", as defined, whose insurance under the Policy is in effect. "Insured Person" means a person employed by the Policyholder who meets the Eligibility Requirements of the Policy and is enrolled for this insurance. "Intensive Care Unit (ICU)" means a specific area of the Hospital, set apart from the surgical recovery room and other rooms used for confinement of patients, providing: (1) intensive medical care and treatment to only those patients who are in critical condition; (2) continuous observation of and care to patients by a specially trained nursing staff that is dedicated exclusively to the ICU on a 24 hour basis; (3) a Physician assigned exclusively to the ICU on a full-time basis; and (4) life-saving equipment required to treat patients in critical condition which is permanently located in the ICU. "Loss" as used in the Dismemberment and Catastrophic Loss benefits, means severance or total and irrecoverable loss of: (1) the hand or foot through or above the wrist or ankle joint; (2) the arm above the elbow; (3) the leg above the knee; (4) a finger, thumb or toe, including at least one joint, which is either partially or completely severed; (5) sight in an eye in which the corrective visual acuity is worse than 20/200 or the field of vision is 20 degrees or less; (6) hearing that cannot be corrected to hear sounds at or below 70 decibels by the use of any hearing aid or device; or (7) speech which cannot be corrected to any degree by any procedure or device, which results directly and independently from an Injury with no other contributing cause. LRS-9548-0318-IN Page 2.1