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F. "Covered Member's service organization" shall mean an agent of the Covered Member paid to service or administer the Covered Member's self -insured Workers' Compensation and/or Employers Liability program. G. `Employee" shall mean any person (including a volunteer as defined below and officers) performing work that renders the Covered Member legally liable for workers' compensation benefits under the Workers' Compensation Act. H. "Volunteer" shall mean any person while acting within the scope of his or her duties for or on behalf of the Covered Member, provided that, prior to the occurrence, the governing board of the Covered Member has adopted a resolution as provided in Division 4, Part 1, Chapter 2, Article 2, Section 3363.5 of the California Labor Code, declaring such volunteer workers to be employees of the Covered Member for purposes of the Workers' Compensation Act; or provided that such volunteer workers are statutorily deemed by the Workers' Compensation Act to be employees for the purpose of workers' compensation. "Loss" shall mean only such amounts as are actually paid by the Covered Member as benefits for an employee under the applicable Workers' Compensation Act in settlement of claims or in satisfaction of awards or judgments for liabilities imposed by the Workers' Compensation Act or other law for bodily injury or occupational disease to an employee. The term loss shall include claim -related expenses, court costs, interest upon awards and judgments, and investigation, adjustment, and legal expenses that are actually paid by the Covered Member as it pertains to the loss. However, the term loss shall not include the salaries paid to employees of the Covered Member, nor fees and retainers paid to the Covered Member's service organization. J. "Occupational disease" shall have the meaning as provided by the applicable Workers' Compensation Act, and include (1) death resulting therefrom and (2) related cumulative trauma injuries or illnesses. K. "Occurrence" means an injury or disease of an employee arising out of and in the course of employment. Bodily injury, illness, or disease sustained by one or more employees, as a result of a single accident, incident or exposure, shall be deemed to arise from a single occurrence. The occurrence shall be deemed to take place on the earlier of (a) the last day of the last exposure, in the employment of the Covered Member, to conditions causing or aggravating the disease, or (b) the date upon which the employee first suffered disability and either knew, or in the exercise of reasonable diligence should have known, that such disability was caused by employment with the Covered Member. All occupational disease sustained by one or more employees as a result of an outbreak of the same communicable disease shall be deemed to arise from a single occurrence. An outbreak of the same communicable disease that spans more than one coverage period shall be deemed to take place during the first such coverage period. L. "State" means any state of the United States of America, and the District of Columbia. M. "Workers' Compensation Act" shall mean California Labor Code Division 4, the other acts as described below in Part Two, or the workers' compensation act or law of the state where the injured employee is normally employed; however, it shall not include any non -occupational disability benefit provisions of any such act. N. "Labor Code 4850" means the Covered Member's obligation to pay salary in lieu of temporary disability benefits for the period of disability, but not exceeding one year, or until the earlier date as the employee is retired on permanent disability pension, and is actually receiving disability pension payments, or advanced disability pension payments. PART TWO — WORKERS' COMPENSATION COVERAGE The Authority will reimburse the Covered Member for loss resulting from an occurrence during the Coverage Period provided that such loss would be compensable under the Workers' Compensation Act of any state for an employee who is normally employed in the State of California, but only if such employee's activity in such other state is Memorandum of Coverage Page 3 Effective July 1, 2019