Here's a specimen whose photos are worth a look:
http://www.troutnut.com/specimen/715
Besides showing a hydropsychid with pale wings, the commentary in the topic found below the pictures is very enlightening - particularly Creno's June 21st posts at 9am and 12:28pm... Fascinating!
Creno - Interpreting your remarks on this thread combined with what you had to say on the one I linked, caddis pupa can have pale wings in the pupal stage (the longest period) only getting darker as they progress through to the pharate stage in the last day or two, but that some species (particularly those known to drift for long periods at the surface prior to emergence) may stay pale and develop darker color as adults (as with some species of brachycentrid). Do I have this right? Also in the link, Gonzo mentioned some eastern species of
cheumatopsyche as keeping pale wings as adults (something I didn't know), could that also be an explanation?
Shawn - The specimen looks either damaged or partially eccloded at the front end. Do you remember if you seined this critter from the surface drift (as I've been assuming) or did you remove it from a pupal case you found sampling the bottom?
Creno again - The partially formed wings on the right side have broken free from the pupal skin. Does their (wing) development offer any clues as to whether this is a pupa or pharate adult?