70% of buyers of Long Term Care buy as a couple since it is family issue. Couples get an additional % discount and the policies include a feature called Shared Care.  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.