"Loss of Hearing" means total and irrecoverable loss of hearing in both ears to a point that you or your Insured Dependent are unable to hear sounds at or below 70 decibels. The Diagnosis must be confirmed by audiometric testing. Loss of hearing does not include loss of hearing that can be corrected to hear sounds below 70 decibels by the use of any hearing aid or device. An Insured Dependent Child must be at least three years old on the date of Diagnosis to receive a benefit. However, if such Diagnosis is made prior to age three, we will pay a benefit if the Diagnosis is confirmed on or after the child reaches age three and remains insured under the Policy. "Loss of Sight" means clinically proven, irrecoverable loss of sight in both eyes due to Sickness or Injury. Corrective visual acuity must be worse than 20/200 in both eyes or the field of vision is 20 degrees or less in both eyes. An Insured Dependent Child must be at least three years old on the date of Diagnosis to receive a benefit. However, if such Diagnosis is made prior to age three, we will pay a benefit if the Diagnosis is confirmed on or after the child reaches age three and remains insured under the Policy. "Loss of Speech" means total and irrecoverable loss of speech which has continued for a period of 90 consecutive days. No benefit will be payable if, in general medical opinion, a device or implant could result in the partial or total restoration of speech. An Insured Dependent Child must be at least three years old on the date of Diagnosis to receive a benefit. However, if such Diagnosis is made prior to age three, we will pay a benefit if the Diagnosis is confirmed on or after the child reaches age three and remains insured under the Policy. "Major Organ Failure" means irreversible failure of the heart, kidney(s), liver, lung(s), small intestine, pancreas, or kidney- pancreas as a result of a disease and, for which a transplantation of the organ(s) or tissue from a suitable human donor is required. Your or your Insured Dependent's condition must meet the criteria for placement on the registry with the Organ Procurement and Transplantation Network/United Network for Organ Sharing (OPTN/UNOS) or its medically recognized successor organization. If you or your Insured Dependent do not meet the criteria for placement on the registry because your or your Insured Dependent's condition is too far advanced or you or your Insured Dependent are too ill to proceed with a transplant, this requirement will not apply. Major Organ Failure also includes disease of the bone marrow and which requires the replacement of your or your Insured Dependent's bone marrow by allogeneic and/or umbilical cord blood transplant. "Motor Neuron Diseases" are diseases that are marked by muscular weakness and atrophy with spasticity and hyperreflexia due to a loss of motor neurons of the spinal cord, medulla or cortex. Motor Neuron Diseases covered are: (1) Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig's Disease); (2) Progressive Lateral Sclerosis; (3) Progressive Bulbar Palsy; or (4) Progressive Muscular Atrophy. Kennedy Disease and other motor neuron diseases not listed above are not covered. "Multiple Sclerosis (MS)" means a chronic disease involving damage to the sheaths of nerve cells (myelin) in the brain and spinal cord. Symptoms may include numbness, impairment of speech and of muscular coordination, blurred vision, and severe fatigue. Such symptoms must be present for at least six months. Diagnosis criteria: (1) damage to two separate areas of the central nervous system; (2) evidence that the damage occurred at least one month apart; and (3) all other possible causes are ruled out. A Critical Illness Benefit for Multiple Sclerosis is not paid for Guillain-Barre Syndrome. LRS-9538-8-0118 Page 8.2