Final answer:
Long-term care insurance applications typically require information on Medical History, Drug Addiction, and Mental Health History, but not Marital Status, which is usually irrelevant to the risk assessment for this type of insurance policy.
Step-by-step explanation:
Among the options provided for what must be included in long-term care insurance applications, Marital Status is the one that typically does not need to be disclosed. Insurance applications often require detailed personal information to assess risk and determine coverage eligibility and costs. When applying for long-term care insurance, applicants can expect questions pertaining to their Medical History and Mental Health History, as understanding an individual's past and current health conditions is crucial for insurers. Information about possible Drug Addiction is also relevant, given that it can significantly impact an individual's long-term health and the care they might require.
Marital status, on the other hand, is generally not a factor that would directly influence the risks covered by long-term care insurance policies. Instead, underwriting decisions are more focused on the likelihood of an individual needing care based on their health and personal lifestyle choices - areas where aspects such as medical and mental health histories, as well as substance use, are much more informative.