"Paralysis" means: (1) "Quadriplegia", complete and permanent loss of motor function of both the upper and lower limbs; or (2) "Hemiplegia", complete and permanent loss of motor function of the upper and lower limbs of the same side of the body; or (3) "Paraplegia", complete and permanent loss of motor function of both lower limbs; which is expected to continue uninterrupted for a period of at least 60 days from the date of Diagnosis of the Sickness or the date of the Injury causing such Paralysis. 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. Paralysis as a result of stroke is not payable under "Paralysis" but may be payable under Stroke. "Parkinson's Disease" means a disease of the nervous system marked by tremor, muscular stiffness, and slow, imprecise movement. It is associated with degeneration of the basil ganglia and a deficiency of the neurotransmitter dopamine. Diagnosis must be made with two out of four of the following symptoms present: (1) shake or tremor; (2) slow movement; (3) stiffness or rigidity; or (4) balance difficulties and falls. "Ruptured Cerebral, Carotid or Aortic Aneurysm" means a localized, blood-filled dilation of a blood vessel caused by disease or weakening of the vessel wall in the brain, carotid arteries, or aorta, spilling blood into the surrounding tissues (called a hemorrhage). Diagnosis must be supported by medical records which include radiographically specific studies such as, but not limited to, angiography, CT scan, MRI, or ultrasound. "Severe Brain Damage" means accidental cranial trauma resulting in permanent deterioration of cognitive ability evidenced by your or your Insured Dependent's confusion, disorientation, and/or behavioral problems, including but not limited to wandering, abusive behavior, poor judgment, memory loss, inability to process language or failure to cooperate, which poses a danger to self or others for a continuous period of at least 45 days from the date of Injury. The Diagnosis must include a score of Level V or less on the Rancho Los Amigos Scale or a score of no greater than 7 on the Glasgow Coma Scale throughout the 45 day period. "Skin Cancer" means: (1) a malignant melanoma of less than .75 mm. maximum thickness as determined by histological examination using the Breslow method; or (2) basal cell carcinoma; or (3) squamous cell carcinoma of the skin. A Diagnosis of Skin Cancer must be based on a pathological diagnosis. However, a clinical diagnosis is acceptable if a pathological diagnosis cannot be made. A life-time maximum of one benefit per Insured is payable. "Stroke" means a cerebrovascular event resulting in infarction (death) of brain tissue which is caused by hemorrhage, embolism or thrombosis evident from neuroimaging (CT, MRI, MRA, PET Tomography or similar imaging technique). Such event must produce measurable, neurological deficit(s) in accordance with a score of 3 or greater on the Modified Rankin Scale persisting for at least 30 consecutive days following the occurrence of the stroke. Stroke does not include Transient Ischemic Attack (TIA), attacks of vertebrobasilar ischemia, transient global amnesia, chronic cerebrovascular insufficiency or any other cerebrovascular events such as migraine, hypoxia, traumatic Injury to the brain or blood vessels or vascular disease affecting the eye, optic nerve or vestibular functions. LRS-9538-8-0118 Page 8.3