Retirement Benefits do not include: (1) a federal government employee pension benefit; (2) a thrift plan; (3) a deferred compensation plan; (4) an individual retirement account (IRA); (5) a tax sheltered annuity (TSA); (6) a stock ownership plan; (7) a profit sharing plan; or (8) section 401(k), 403(b) or 457 plans. "Sickness" means illness or disease causing disability which begins while an Insured is covered under this Policy. Sickness includes pregnancy, childbirth, miscarriage or abortion, or any complications therefrom. "Treatment" means care consistent with the diagnosis of the Insured's Injury or Sickness that has its purpose of maximizing the Insured's medical improvement. It must be provided by a Physician whose specialty or experience is most appropriate for the Injury or Sickness and conforms with generally accepted medical standards to effectively manage and treat the Insured's Injury or Sickness. LRS-6451-3 Ed. 4/06 Page 2.1