February 6, 2020

Wayne Heidenreich, MD, VP
Medical Director - Northwestern Mutual


Stephen K Holland, MD
Chief Medical Officer, LTCG

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Program Description and Bio

Description: Essential tremor is the most common action tremor in adults.  It is also known as a “benign, familial” or “benign, essential” tremor.  But it is progressive,  and for a substantial proportion of affected individuals it is a disabling condition.  The recognition of the features of this movement disorder, in relation to the differential diagnosis, will be discussed.  The associated comorbidities, treatment, and prognosis of essential tremor will be reviewed.  Is it as great a risk as the clinical literature would make it seem to be?

Wayne Heidenreich, MD, VP — Medical Director joined Northwestern Mutual in 1993. Since 1997 he has been responsible for Medical Underwriting Standards for the Northwestern Long Term Care Company (NLTC) and for issues of medical risk stratification in underwriting cases, for requirements, and in product development. The NLTC Claims Division consults with him for medical questions in claims. He also provides case consultation for underwriters in the Life New Business and Disability Income Department and contributes to Standards for medical underwriting of life and disability insurance. He graduated from Yale University in 1977 with a B.S. in biology and received his M.D. degree from the University of Wisconsin-Madison in 1982. After completing his residency in internal medicine at Northwestern University, Chicago, in 1985, he practiced primary care internal medicine for eight years before coming to Northwestern Mutual. He served as Chair of the ACLI Medical Section in 2011 and as Chair of the ACLI’s Risk Classification Committee from 2010-2012. In 2008 he accepted a position on the Board of Directors of the Sixteenth Street Community Health Center, served as its Chairman, and now serves on its Quality Improvement/Quality Assurance Committee. His medical interests are in rheumatology, immunology and geriatrics. He also writes science fiction.

Program Description and Bio

Description: It’s been over 30 years since the human immunodeficiency virus (HIV) was identified as the virus causing the acquired immunodeficiency syndrome (AIDS) and though it has been estimated that worldwide more than 32 million individuals have died from this disease since the beginning of the epidemic, treatments employing combinations of newly discovered anti-viral drugs have made living with AIDS possible (in fact at least three individuals with AIDS may have been cured of this infection).  As the results of these new treatments, AIDS-related deaths have been reduced by more than 55% since the peak in 2004 and new infections have been reduced by 40% since its peak in 1997, while today many infected individuals with HIV are now living long and active lives. In addition, there are now new effective medical regimens available for pre-exposure (PrEP) and postexposure (PEP) prophylaxis that have been developed to prevent HIV infections.  

Many Life and LTC carriers have begun to consider offering coverage to individuals with well-controlled HIV infections as well as those exposed to the virus who are on prophylaxis to prevent the infection.  During this LTCIF presentation we will explore HIV: What’s the Risk? by reviewing the mechanism of this disease, recent HIV/AIDS LTC claims experience, and the key issues to consider when underwriting individuals with HIV or those applying for LTC or LTC-Life combo products on PrEP or PEP. 


Stephen K. Holland, MD - LTCG - Dr. Stephen Holland serves as Chief Medical Officer for LTCG and brings more than 30 years of long-term care, life and managed care leadership experience. As the clinical leader at LTCG, Dr. Holland has played an integral role in building the underwriting and claim capabilities of the country’s largest full service LTC and Life-LTC Insurance Administrator. He is also the lead author of LTCG’s Guide to Long Term Care Underwriting, now in its 10th Edition and on a daily basis, he supports LTCG underwriters and care managers as they assess morbidity and mortality risks through Standards development and individual underwriting and claims reviews and conferences. Dr. Holland holds a Doctorate of Medicine from the Case Western Reserve University School of Medicine and completed his postgraduate medical training in Internal Medicine at the University of Washington. He completed a fellowship in health care policy as a Robert Wood Johnson Clinical Scholar at the University of Washington, School of Medicine and received his Board Certification in Internal Medicine from the American College of Physicians.