With deep expertise in the senior living space and a commitment to innovation, Milliman helps continuing care retirement communities (CCRC), life plan communities, and other senior living organizations navigate the complex intersection of resident care, financial sustainability, and regulatory oversight.
Whether you're facing questions about long-term viability, pricing for contracts, balance sheet sufficiency, or contract design, our team delivers clear, data-driven insights tailored to your community’s unique needs. By combining unmatched actuarial knowledge of the CCRC marketplace with advanced data analytics and proprietary modeling tools, we help you make confident decisions that support resident well-being and long-term financial strength.
Our clients rely on us for actionable advice, peer benchmarking, and forward-looking strategies that align mission and sustainability—ensuring your community can thrive today and into the future.

We bring deep actuarial expertise to setting assumptions for deaths, transfers, and withdrawals—grounded in credible data, industry benchmarks, and community-specific experience—to help life plan communities forecast with confidence and plan with precision.
Milliman’s senior living consultants use Integrate to model future populations with precision—capturing resident transitions, care utilization, and longevity trends. This powerful platform delivers accurate, data-driven insights to support strategic, sustainable decision-making.
Integrate blends historical residence and services data with high‑granularity actuarial assumptions. We support customized modeling of morbidity, mortality, and service utilization, allowing our team to simulate future resident mixes across independent living, assisted living, memory care, and skilled nursing.
Whether tracking lifetime occupancy scenarios or care mix shifts, Integrate’s intuitive interface adjusts variables—such as resident attrition, expense inflation, or contract options—and shows instant impacts. Our scenario engine supports robust stress testing, benchmarking, and transparent audit trails, giving boards and regulators confidence in your financial strategy.
Our consultants use Integrate to model how changes—such as contract design revisions, entrance fee structures, or care level enhancements—ripple through your resident population and your bottom line. Through advanced predictive analytics, we identify emerging trends before they surface in operational data, whether it’s uptake of enhanced care, longevity extension, or resident turnover.
By pairing Integrate’s cutting-edge analytics with our deep sector expertise, we deliver forecasts that shape every aspect of your community’s health: financial stability, care capacity, pricing strategy, and balance sheet calculations. Whether you're seeking regulatory compliance, validating contract assumptions, or optimizing your long‑term care financial model, Integrate enables confident, defensible decisions rooted in data.

Milliman cultivates a proprietary nationwide database of CCRC experience, capturing mortality, transfers to assisted living and skilled nursing, and community withdrawals. We use this robust dataset to develop benchmark assumptions tailored to level-two and level-three communities, helping our clients model more accurately and plan with greater confidence. Our data-driven insights empower senior living providers to align assumptions with real-world trends and peer benchmarks.

Milliman senior living actuaries are trained in experience analysis and assumption development. We use actuarial standard practices in determining benchmarks for mortality to use in population projections.

Milliman senior living actuaries study morbidity in senior living communities, mapping how frequently residents move into assisted living, memory care, or skilled nursing facilities. Our consultants are informed by trends in the long-term care and long-term supports and services sectors.
Ask the tough questions. We’re ready for them.