Couples get an additional % discount.  Shared Care combines both individual’s policies into one larger pool of benefits.  For example, if a husband and wife each have a $100,000 benefit pool, together they have $200,000 of benefits that each can pull from.  So, if one spouse suddenly passes away, the entire $200,000 is still available for the surviving spouse to use and the surviving spouse only pays for their own policy.  Shared Care requires full underwriting for both employees and spouse/partners.