It changes your evidence, not the price list. Ownership follows the account agreement and applicable law, so document the real arrangement. If she joins the application she adds a US$15,000 fee and a US$1,000,000 gift, taking a couple to US$2,030,000 in program amounts before other government charges.
Joint ownership, joining, and what depends on whom
Two separate matters are easy to blend. One is who owns the securities, which is a private-law question answered by the account terms. The other is who is on the application: a joining spouse's eligibility derives from the principal, while her admissibility is assessed for her, and shared facts can bear on both. A spouse may also hold work permission independently rather than only through the principal.
The published joining-family group is the eligible spouse and unmarried children under 21. A general benefits letter may not identify which program charges the employer intends to cover. Proof of the marital relationship and proof of asset ownership answer two different questions and belong in two different parts of the file. Marriage records, any prior divorce or annulment documents, and evidence of an ongoing relationship establish eligibility to be included as a spouse, while account statements, titles, or ownership agreements establish who holds what financially. Keeping those two sets of documents organized separately, rather than combined into one folder, makes it easier to respond when an official request touches only one of the two questions and not both.