because of an Injury sustained due to a Covered Accident. The friend, caregiver or family member must temporarily reside in a hotel, motel or hospital-sponsored lodging. Lodging benefits will be payable for one person. This benefit is payable for up to thirty (30) days within 365 days of the Covered Accident. MEDICAL APPLIANCE: A Medical Appliance benefit will be payable if you or your Insured Dependent sustain an Injury as a result of a Covered Accident which requires a Medical Appliance to assist with mobility provided such appliance is prescribed by a Physician or Medical Professional and received by you or your Insured Dependent within 365 days of the Covered Accident. If the Injury sustained is considered a Catastrophic Loss as defined, the Medical Appliance must be prescribed by a Physician or Medical Professional and received by you or your Insured Dependent within 2 years of the Covered Accident. Only one benefit is payable for each person insured per Covered Accident. ORGANIZED YOUTH SPORTS: An additional benefit will be payable if your Insured Dependent child sustains an Injury as a result of a Covered Accident while participating in an Organized Youth Sport. Your Insured Dependent child must be age 18 or younger on the date of the Covered Accident. Proof of registration may be required. PARALYSIS: A Paralysis benefit will be payable if you or your Insured Dependent sustain an Injury due to a Covered Accident that results in Paralysis and: (1) you or your Insured Dependent lose the function of 2 or more limbs for an uninterrupted period of 60 days; and (2) such Paralysis is confirmed by a Physician. The uninterrupted 60 day period of Paralysis is waived if clinical and radiological evidence shows that the spinal cord has been transected with no possibility of returned functionality. PHYSICAL THERAPY: A Physical Therapy benefit will be payable if you or your Insured Dependent sustain an Injury as a result of a Covered Accident which requires therapy if it: (1) is prescribed by a Physician; (2) is provided by a Medical Professional; (3) is performed in an office, Hospital or Rehabilitation Facility; (4) begins within 6 months of the Covered Accident; and (5) is completed within 365 days of the Covered Accident. This benefit is payable for up to twelve (12) therapy sessions for each person insured per Covered Accident. PHYSICIAN VISIT: Initial Physician Office Visit: An Initial Physician Office Visit benefit will be payable if you or your Insured Dependent sustain an Injury as a result of a Covered Accident and are examined or treated by a Physician or Medical Professional in such individual's office. Examination or treatment must be provided within 6 months of the Covered Accident. This benefit is not payable if you or your Insured Dependent are eligible to receive a benefit under Emergency Treatment. Only one benefit will be paid for each person insured per Covered Accident. Follow-up Physician Office Visit: A Follow-up Physician Office Visit benefit will be payable for follow-up examination or treatment by a Physician or Medical Professional in such individual's office if you or your Insured Dependent have sustained an Injury as a result of a Covered Accident. Examination or treatment must be provided within 60 days of the Covered Accident. This benefit is not payable while you or your Insured Dependent are confined in a Hospital, ICU or Rehabilitative Facility. Only six (6) benefit will be paid for each person insured per Covered Accident. LRS-9548-0318-IN Page 7.4