Which of the following is a requirement for long-term care policies in Pennsylvania?

Long-term care policies in Pennsylvania are required to provide benefits for senile dementia, which is crucial due to the prevalence of such conditions among the elderly population. This requirement ensures that individuals suffering from dementia have access to necessary care and support services. Long-term care facilities often provide services tailored for individuals with cognitive impairments, making this coverage essential for policyholders and their families.

The other options, while they may pertain to specific features that some policies might offer, do not represent mandated requirements under Pennsylvania law. For instance, not all long-term care policies must include cash benefits, nor are they uniformly required to cover rehabilitation therapy or include waiting periods. Hence, the focus on dementia coverage reflects the state's acknowledgment of the unique needs of individuals facing cognitive challenges as part of long-term care.