Administrator means the employer.
Amendments apply to all covered persons, including those persons who are covered before the amendment becomes effective, unless otherwise specified. Bodily Injury is a condition which results independently of sickness and all other causes, and is a result of an externally violent force. Calendar Year is the period beginning January 1st and ending December 31st in the same given year. Contract Administrator means the person or firm employed by the Employer or Plan who is responsible for the processing of claims and payment of benefits, administration, accounting, reporting, and other services contracted for by the Plan. Custodial Care includes care to meet personal needs and daily living activity needs of an individual that could be provided by persons without professional skills or training.