Cal. Code Regs. tit. 10 § 2232.13
Whenever the word "policy" is used in this article reference is made to all riders, endorsements, or other forms which constitute or form a part of the contract of group disability insurance. Whenever the word "policy" is used in any of the uniform provisions, there may be substituted therefor the words "rider," endorsement, "contract" or other proper designation of the document to which the uniform provision applies. Whenever in any form of uniform provision as set forth in this article the expression "the policy" or "this policy" is used, the terminology may be used interchangeably, with variations in the use of the term "policy" as herein permitted, insofar as consistent with the other terminology of the policy and the substantive meaning of the promulgated provisions. (Ins. C. 10270.94.)
Cal. Code Regs. Tit. 10, § 2232.13