Long-term care policies sold in Vermont must not exclude coverage for:

Long-term care policies in Vermont are required to provide coverage for specific conditions that are commonly associated with aging and the need for such care. Senile dementia, which generally refers to a decline in cognitive function often seen in elderly patients, is often included in the coverage requirements to ensure that individuals suffering from cognitive impairments have access to necessary long-term care services.

In Vermont, the regulation mandates that long-term care policies must not exclude coverage for conditions that significantly impact individuals' ability to perform daily activities. Because senile dementia can severely affect an individual's independence and require ongoing support and care, it is essential for long-term care insurance policies to cover this condition.

Other options, while important health issues, may not have the same regulation under Vermont law concerning mandatory coverage in long-term care insurance policies. For example, while Alzheimer's disease is often associated with senile dementia, the phrasing in the question suggests a specific focus on conditions that typically require long-term care coverage. Terminal illness and substance abuse may have different treatment protocols or care aspects that do not necessarily fall under the long-term care insurance requirements in the same way as senile dementia. Therefore, the requirement to cover senile dementia ensures that policies address critical areas of long-term care needs.