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DEFINITIONS (continued) •DAY or DATE means the period of time which begins at 12:01 a.m. and ends at 12:00 midnight, standard time, at the Policyholder's place of business. When used with regard to effective dates, it means 12:01 a.m. When used with regard to termination dates, it means 12:00 midnight. DISABLED or DISABILITY means Totally Disabled and /or Partially Disabled. DISABILITY BENEFIT when used with the term Retirement Plan, means a benefit which: 1. is payable under a Retirement Plan due to disability as defined in that plan; and 2. does not reduce the benefits which would have been paid as Retirement Benefits at the normal retirement age under the plan if the disability had not occurred. If the payment of the benefit does cause such a reduction, the benefit will be deemed a Retirement Benefit as defined in this Policy. ELIGIBILITY WAITING PERIOD means the period of time that: 1. begins with an Employee's most recent date of employment with the Employer; and 2. ends on the day prior to the day such Employee is eligible for coverage under this Policy. ELIMINATION PERIOD means the number of days of Disability during which no benefit is payable. The Elimination Period is shown in the Schedule of Benefits. It applies as follows. 1. The Elimination Period: (a) begins on the first day of Disability; and (b) is satisfied when the required number of days is accumulated within a period which does not exceed two times the Elimination Period. During a period of Disability, the Insured Employee may return to full -time work, at his or her own or any other occupation, for an accumulated number of days not to exceed the Elimination •Period. 2. Only days of Disability due to the same or a related Sickness or Injury will count towards the Elimination Period. Days on which the Insured Employee returns to full -time work will not count towards the Elimination Period. EMPLOYEE means a person: 1. whose employment with the Employer is: (a) on a regular full -time basis; (b) the person's principal occupation; and (c) for regular wage or salary; 2. who is regularly scheduled to work at such occupation at least the minimum number of hours shown in the Schedule of Benefits; and 3. who is a member of an Eligible Class which is eligible for coverage under this Policy; 4. who is not a temporary or seasonal employee; and 5. who is a citizen of the United States or legally works in the United States. EMPLOYER means the Policyholder and includes any division, subsidiary or affiliated company named in the Application. EVIDENCE OF INSURABILITY means a statement of proof of an Employee's medical history. The Company uses this to determine his or her acceptance for insurance, or for an increased amount of insurance. Such proof will be provided at the Employee's own expense. • GL3001- LTD -3A 98 Residual Partial 5 01/01/01