73:1. If two people were sleeping under one cover and their bodies (1) are touching each other (2) he should not read the Shema unless there is a garment separating (3) them from their waist (4) and below.
73:2. One who is in bed [literally "one who is sleeping", not necessarily in bed -LC] (5) with his wife (and their skin is touching) may read the Shema by facing away from her, even without the separation of a cloth, since a man's wife is considered like his own body [this is true in a number of areas of Jewish law -LC]. But there is an authority (6) who forbids this practice and requires a cloth to separate them (as when other members of the family are in the bed with him), and it is proper to follow this stricter opinion.
73:3. If one is in bed (7) with one's minor children [see 73: for the definition of minor children -LC], one may read the Shema (8) by turning away without the separation of a cloth [as with one's wife -LC], but if one's children are (9) grown, one must place a cloth as a separation.