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12th house overlay
Their planet in your 12th house: they touch what you do not have words for, which is why this overlay gets called karmic.
What this house covers, and how often it fills
This house pairs with the 6th across the chart — routine, work and health — and the two work as one axis. A planet landing here is also, by definition, opposing whatever sits there, so the two readings belong together rather than separately.
It is a cadent house, which precedes an angle and is the group traditionally read as adjustment and transition. Its natural ruler is Neptune, so a partner's neptune arriving here doubles the theme rather than adding a new one.
The 12–6 axis
What is hidden, dissolved or carried unconsciously sits opposite routine, work and health. A planet in one is automatically opposing the other, so an overlay here is always a statement about both — they touch what you do not have words for, which is why this overlay gets called karmic, measured against you meet in the ordinary: shared tasks, schedules, looking after things.