DEFINITIONS "We", "us" and "our" means Reliance Standard Life Insurance Company. "You", "your" and "yours" means the employer, union or other entity to which this Policy is issued and which is deemed the Policyholder. "Eligible Person" means a person who meets the eligibility requirements of this Policy. "Insured" means a person who meets the eligibility requirements of this Policy and is enrolled for this insurance. "Actively at work" and "active work" means the person actually performing on a full-time basis each and every duty pertaining to his/her job in the place where and the manner in which the job is normally performed. This includes approved time off such as vacation, jury duty and funeral leave, but does not include time off as a result of Injury or Sickness. "Claimant" means the Insured or a duly authorized representative who makes a claim for benefits under this Policy for a loss covered by this Policy as a result of Injury or Sickness to the Insured. "Full-time" means working for you for a minimum of 15 hours during a person's regular work week. "Disabled" means the Insured is: (1) unable to do the material duties of his/her job; and (2) not doing any work for payment; and (3) under the regular care of a physician. "Injury" means bodily injury resulting directly from an accident, independent of all other causes. The injury must cause disability which begins while an Insured is covered under this Policy. "Earnings", as used in the SCHEDULE OF BENEFITS section, means the Insured's weekly salary received from you on the day just before the date of disability. Earnings does not include commissions, overtime pay, bonuses, incentive pay or any other special compensation not received as basic salary. If hourly employees are insured, the number of hours worked during a regular work week, not to exceed forty (40) hours per week, will be used to determine weekly earnings. "Physician" means any duly licensed practitioner who is recognized by the law of the state in which treatment is received as qualified to treat the type of Injury or Sickness for which claim is made. The physician may not be the Insured or a member of his/her immediate family. "Regular Care" means Treatment that is administered as frequently as is medically required according to guidelines established by nationally recognized authorities, medical research, healthcare organizations, governmental agencies or rehabilitative organizations. Care must be rendered personally by the Insured's Physician according to generally accepted medical standards in the Insured's locality, be of a demonstrable medical value and be necessary to meet his/her basic health needs. "Retirement" means the effective date of an Insured’s: (1) retirement pension benefits under any plan of a state, county or municipal retirement system, if such pension benefits include any credit for employment with you; (2) retirement pension benefits under any plan which you sponsor, or make or have made contributions; (3) retirement benefits under the United States Social Security Act of 1935, as amended, or under any similar plan or act. LRS-6451-3 Ed. 4/06 Page 2.0