Long-Term Care Rider
When purchasing a Long Term Care Insurance policy you will be offered an array of added benefits to add to your policy at an added cost most times. One of those riders is called a “shared benefit”. What this means is if you and your spouse purchase a policy, you will be able to share those benefits. This would mean if one of you exhausted your benefits you could tap into the others.
Here is more information and discussion on about Long Term Care Insurance Riders and in particular shared policies.