DEFINITIONS "We", "us", and "our" means Reliance Standard Life Insurance Company. "You", "your", and "yours" means the Policyholder. "Actively at Work" and "Active Work" means the Insured Person is actually performing on a Full-time basis each and every duty pertaining to his job working for you 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 the Insured’s coverage is in force under this 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 this 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 the Insured Person or a member of his/her Immediate Family . "Dependents" means: (1) the Insured Person's legal spouse; and (2) the Insured Person's child(ren), from birth to 26 years, including natural children, legally adopted children, children who are dependent on the Insured Person during the waiting period before adoption, stepchildren, foster children and children under legal guardianship of the Insured Person; and (3) the Insured Person's 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 the Insured Person for support and maintenance. LRS-9547-0318-IN Page 2.0