This website provides only highlights of your benefits. It is not a contract. It does not change
the terms of your benefit plans or the official documents that control them. Consult the individual
plan booklets for specific details of benefit coverage. To permit a brief summary of benefits and
services, use of actual contract language has been minimized. This summary comparison does not
replace the legal documents that establish the plans. Final interpretation of any provision of the
plans will be governed by the master policies and service agreements, which are on file in the
office of the plan administrator. Caltech reserves the right to change, suspend or terminate its
benefits programs, in whole or in part, at any time and for any reason.