Health Insurance Retirement & Benefits Risk Careers About Contact Us Last Revised: September 2021 Introduction Thank you for your interest in how Milliman Inc. and its affiliates (hereinafter “Milliman” or “we”) use cookies on our sites. We have provided this Cookie Policy to provide you with transparency so you can make informed choices about how Milliman and third parties track your personal data utilizing cookies. This Cookie Policy explains how your personal data is collected, shared, and analyzed by our third-party vendor service providers to improve the performance and user satisfaction of our sites, to help those sites function properly for your use and convenience, and to enable Milliman to analyze the statistical use of our sites. For some of our sites, we may post a Cookie Policy that is site-specific. We do this in order to best describe the use of cookies for sites that are administered by our third-party vendor service providers on these sites. Additionally, where the laws of the country require different legal disclosures to a consumer regarding cookies, we may post a site-specific version to comply with applicable law. By posting a separate and site-specific policy on these selected sites, we are able to provide transparency to you, describing in detail how the use of cookies is configured in a way that is different from how Milliman typically manages cookies on its sites, in accordance with local laws or as explained in this Cookie Policy. Visiting our sites This Cookie Policy shall apply to the Milliman domain owned by us and any subsite, subdomain, subdirectory, virtual site, or virtual directory thereof (each a “site” and, collectively, the "sites”). We will continue to update you and revise this policy as may be required under applicable law and as technical capabilities are enhanced and additional choices regarding the use of cookies become available to you. Identification of individuals to contact at Milliman with questions concerning cookies We hope that this Cookie Policy helps you understand and provides a good explanation for our use of cookies on the sites. If after reviewing this policy you have any further questions for us, require assistance, or have requests based upon the information provided here, please contact us at web_team@milliman.com. What are cookies? In some instances, Milliman may collect data through cookies. A "cookie" is a text-only string of data that Milliman sends to the cookie file of the browser on a website visitor’s computer hard disk using Milliman’s web server. Cookies are used to make websites work, or work more efficiently, as well as to provide data to the owners of the website. There are a number of different categories of cookies, each with its own function and limitations. Milliman’s website may use required, analytics, performance, and targeting cookies. Required cookies (also called strictly necessary cookies): These cookies are essential to the functionality of the sites in order to facilitate your use of the sites and their features, and in order to enable you to move around the sites smoothly. Without these cookies, we may not be able to provide certain services or features, and the sites will not properly function. These cookies may collect your IP address and related information about your interaction with our website (length of visit, pages visited, links clicked, and geolocation information). You can set your browser to block these cookies, but some parts of the sites may not then work. Analytics and performance cookies: These cookies allow us to see the overall patterns of usage of the sites and help us record any difficulties you have with them. They allow Milliman or Milliman’s third-party agents to collect data, including the number of visitors to the website, the route by which these visitors have come to the website, and the length of time the visitors have spent on the website. These cookies may collect your IP address and related information about your interaction with our website (length of visit, pages visited, links clicked, and geolocation information). They enable Milliman to improve the way the sites works and to prepare statistical analysis of such data. If you do not allow these cookies, we will not know when you have visited our sites and will not be able to monitor their performance. Targeting cookies: These cookies are third-party cookies set through our site by third parties. Milliman websites may feature content (such as buttons, widgets, and other embedded features or content) put in place by third parties that rely on cookies or similar technologies. Milliman does not set any additional cookies relating to your use of this embedded content. However, if you choose to click on these links and they take you to a third-party website, that third-party may place additional cookies of its own. If you do not allow these cookies, you will experience less targeted advertising. Milliman’s ribbon, at the bottom of its website landing page, lists all the specific cookies used by Milliman, sorted by category. The majority of web browsers accept cookies and similar files, but a visitor can usually change the browser settings to prevent this. However, by doing so, some functionality of Milliman’s website may be lost. Please visit https://www.aboutcookies.org/ to learn more about cookies and how to control them. We rely on your consent, to the extent required by law, to use nonrequired cookies that may collect your personal data. For this reason, we want to provide as much information to you as possible about the cookies we use and how we manage them when you provide us with your consent. Your consent enables us to use cookies to provide the necessary functionality for you to effectively use our sites; enables a positive and streamlined user experience on our sites; tracks your viewing activity across our sites’ web pages; and conducts analytics on your visits to our sites in order to accomplish the objectives outlined in this Cookie Policy. Cookies used Required cookies Name Purpose Expiring time Type Providers ASPNetSession ID This cookie allows our servers to send users’ requests to the same server during a web session. Session First-Party - ARRAffinity This cookie is set by websites run on the Windows Azure cloud platform. It is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session. Session First-Party Microsoft Azure Privacy Policy ARRAffinitySameSite This cookie is used to distribute traffic to the website on several servers in order to optimize response times. Session First-Party - ASPSESSIONIDXXXXXXXX This cookie is associated with use as a general purpose platform session cookie and is used to maintain an anonymized user session by the server. Session First-Party Microsoft Privacy Policy contactForm Loaded This cookie is used to tell whether the page has loaded the contact form. 7 days First-Party - __coveo.analytics.history This cookie is necessary in order to optimize the website's search function. The cookie ensures accurate and relevant search results. A few seconds First-Party Coveo Privacy Policy #lang This cookie is used to keep track of the language used on a particular site. Session First-Party - OptanonAlertBoxClosed This cookie is set by websites using certain versions of the cookie law compliance solution from OneTrust. It enables the website not to show the message more than once to a user. 365 days First-Party OneTrust Privacy Policy OptanonConsent This cookie is set by the cookie compliance solution from OneTrust. It stores information about the categories of cookies the site uses and whether visitors have given or withdrawn consent for the use of each category. This enables site owners to prevent cookies in each category from being set in the users’ browser when consent has not been given. 365 days First-Party OneTrust Privacy Policy __RequestVerificationToken This cookie is an anti-forgery cookie set by web applications built using ASP.NET MVC technologies. It is designed to stop unauthorized posting of content to a website, known as cross-site request forgery. Session First-Party - test_cookie This cookie is used by Google Analytics to see whether the browser supports cookies. A few seconds First-Party DoubleClick Privacy Policy VISITOR_INFO1_LIVE This cookie is owned by Google Inc./YouTube. It measures your bandwidth to determine whether you get the new player interface or the old. 6 months Third-Party Google Inc. Privacy Policy WFESessionId This cookie is necessary to enable a Power BI session, a Microsoft tool that helps visualize data. Session First-Party Microsoft Azure Privacy Policy Analytics and Performance Cookies Name Purpose Expiring time Type Providers _aiid This cookie contains the program for the marketing campaign Ai. Every marketing campaign run by Ai Media Group is assigned a unique numerical ID. A cookie is set on the users’ browser when the user clicks on an ad from a campaign so we can have attribution to the campaign if a conversion happens. 365 days Third-Party Ai Media Group Privacy Policy aiuid This cookie is set by the server that hosts the Ai Media Group tracking Javascript. It is not used by any system. It is a cookie that the platform generates for each user when they make an http request for the code. This cookie is a server-generated user ID. The cookie is set on the domain of the ai tracking pixel, not Milliman, and is not used for any tracking purpose. It is used strictly for caching to serve up pixel requests faster to the user. 7 days Third-Party Ai Media Group Privacy Policy __cfduid This cookie allows for rich media to be displayed on pages within the Milliman website and may include videos, photos, charts, podcasts, etc. 30 days Third-Party Highcharts Privacy Policy __cfduid This cookie allows for rich media to be displayed on pages within the Milliman website and may include videos, photos, charts, podcasts, etc. 30 days Third-Party Embed. Privacy Policy __cfduid This cookie allows for rich media to be displayed on pages within the Milliman website and may include videos, photos, charts, podcasts, etc. 30 days Third-Party Type Network Privacy Policy ga This analytics cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and is used to calculate visitor, session, and campaign data for the site's analytics reports. 2 years First-Party Google Universal Analytics Privacy Policy _gat_UA- This performance cookie limits the amount of data recorded by Google Inc. on high traffic volume websites. Non-expiring First-Party Google Inc. Privacy Policy _gat This performance cookie is used to throttle the request rate, limiting the collection of data on high traffic volume sites. A few seconds First-Party Google Universal Analytics Privacy Policy _gclxxxx This conversion tracking cookie allows us to count visits and traffic sources, so we can measure and improve the performance of our site. 90 days First-Party Google Inc. Privacy Policy _gid This performance cookie stores and updates a unique value for each page visited. 24 hours First-Party Google Universal Analytics Privacy Policy _pk_ses* This Ai Analytics session cookie is used to track the visitor's page requests during the session. The cookies are used to compile user statistics that cannot be directly tied to individuals. 30 minutes Third-Party Piwik Privacy Policy _pk_id* This cookie contains a unique, pseudonymized visitor ID internal to Ai Analytics for recognizing repeat visitors. The _pk_id is an ID that makes it possible to verify which routes a website visitor has clicked on. A generated identifier is used for this purpose. On the basis of this ID, http requests can be linked to each other and corresponding statistics can be generated on, e.g., the number of visits, average time a user stays on the website, and the number of pages read. 365 days Third-Party Ai Media Group Privacy Policy st_samesite This cookie gathers information regarding the browsing and sharing activities of internet users that utilize the sharethis.com social media sharing functionality on the site. Session First-Party Sharethis Privacy Policy SC_ANALYTICS_GLOBAL_COOKIE This cookie is used for web analytics to identify repeat visits by unique users. A few seconds First-Party Siteccore Privacy Policy visitor This cookie helps us remember language preferences and personalize content. 365 days First-Party - Targeting Cookies Cookie Name Purpose Expires Type Providers bscookie This cookie is owned by LinkedIn, the business networking platform. This Browser Identifier cookie uniquely identifies devices accessing LinkedIn to detect abuse on the platform. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active Linkedin profile, or has agreed to the terms and conditions. For this reason, it is classified in the primarily tracking and targeting domain. 731 days Third-Party LinkedIn Privacy Policy CONSENT Used to detect if the user of Google Inc./Youtube has accepted the marketing category in the cookie banner. This cookie is necessary for GDPR-compliance of the website youtube.com. Session Third-Party Google Inc. Privacy Policy li_gc This cookie is owned by LinkedIn, the business networking platform. It stores the consent of guests regarding the use of cookies for nonessential purposes. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active Linkedin profile, or has agreed to the terms and conditions. For this reason, it is classified in the primarily tracking and targeting domain. 2 years Third-Party LinkedIn Privacy Policy lidc This cookie is owned by LinkedIn, the business networking platform. It allows sharing content to LinkedIn. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active Linkedin profile, or has agreed to the terms and conditions. For this reason, it is classified in the primarily tracking and targeting domain. 24 hours Third-Party LinkedIn Privacy Policy lissc This cookie is owned by LinkedIn. It ensures there is correct SameSite attribution for all cookies in that browser. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active Linkedin profile, or has agreed to the terms and conditions. For this reason, it is classified in the primarily tracking and targeting domain. 365 days Third-Party LinkedIn Privacy Policy NID This cookie is owned by Google Inc. Google tracks users extensively, both through its own products and sites, and through the numerous technologies embedded into many millions of websites around the world. It uses the data gathered from most of these services to profile the interests of web users and sell advertising space to organizations based on such interest profiles, as well as aligning advertisements to the content on the pages where its customer's advertisements appear. 6 months Third-Party Google Inc. Privacy Policy UserMatchHistory These cookies are owned by LinkedIn. They typically act as a third-party host where website owners have placed one of their content-sharing buttons in their pages, although its content and services can be embedded in other ways. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active Linkedin profile, or has agreed to the terms and conditions. For this reason, they are classified in the primarily tracking and targeting domain. 30 days Third-Party LinkedIn Privacy Policy YSC This cookie is owned by Google Inc./YouTube. This is used by YouTube to remember user input and associate a user’s actions. Session Third-Party Google Inc. Privacy Policy Obtaining your consent and your choices The first time you visit the sites, you will be provided with a cookie disclosure ribbon at the top of Milliman’s website landing page that informs you of the following: “Milliman and our third-party website analytics and performance partners use cookies on our website that collect and use personal information in order to constantly improve website performance and reliability and to provide accurate and relevant information. By clicking “Accept” you consent to the placement and use of cookies by Milliman and our third-party analytics partners for these purposes. You can learn more about how this site uses cookies and related technologies by reading our Cookie Policy.” You may contact Milliman at web_team@milliman.com to discuss the kinds of cookies we use on our website and the various choices available to you to manage cookies and your personal information. Options for cookie selection and opt-in: Required cookies: Unfortunately, these cookies cannot be disabled or modified, which is why we refer to these as “required" or “strictly necessary.” Analytics and targeting cookies: You may opt out of these cookies in accordance with the instructions contained in the ribbon at the top of Milliman’s website landing page. Changing your choices You may change your cookie settings at any time, by clicking Manage cookie preferences. If you revise your choices, Milliman will clear the cookies in the specific categories you have selected and those cookies will no longer track your activity on the sites. If you do not ask for your settings to be changed, your previous choices and the previous consent you provided to Milliman will apply to your current session on the sites. Third-party embedded content Milliman websites may feature content (such as buttons, widgets, and other embedded features or content) put in place by third parties that rely on cookies or similar technologies. Milliman does not set any additional cookies relating to your use of this embedded content. However, if you choose to click on these links and they take you to a third-party website, that third party may place additional cookies of its own. These third-party cookies fall outside the scope of this Cookie Policy. We encourage you to reach out to the third party if you have any questions about how they track your use of the embedded content on our sites. You can learn more about the privacy policies of these third-party content providers and how to opt out of their cookies by clicking the appropriate link below: Facebook and Instagram: https://www.facebook.com/policies/cookies/ Google Inc. and YouTube: https://policies.google.com/privacy LinkedIn: https://privacy.linkedin.com/ How can you further control cookies on the sites? You may outright refuse to accept cookies from the sites at any time by activating the setting on your browser that enables you to refuse cookies. You may also adjust the settings on your browser to clear cookies. You may also opt out of cookies by refusing to accept cookies when prompted by the ribbon. Please note that by disabling or blocking any or all cookies, some features of the sites may not operate as intended, or you may not have access to features or personalization available through the site. Find out how to manage cookies on popular browsers: Google Chrome Microsoft Edge Microsoft Internet Explorer Mozilla Firefox Opera Apple Safari To find information relating to other browsers, visit the browser developer's website. How does Milliman respond to Do Not Track signals? Milliman sites currently do not respond to Do Not Track signals in browsers. Changes and revisions to this Cookie Policy Please take a look at the last revised date at the top of this page to see when this Cookie Policy was last revised. Any changes in this Cookie Policy will become effective when we make the revised Cookie Policy available on or through the site. ABOUT Our Story Social Impact Media Center Office Locations Experts EXPERTISE Health Insurance Retirement & Benefits Risk CAREERS Careers Home Our Work Experienced Hires Students & Grads Job Search ABOUT MILLIMAN For more than seven decades, we have combined technical expertise with business acumen to create elegant solutions for our clients. Today, we are helping organizations take on some of the world's most critical and complex issues, including retirement funding and healthcare financing, risk management and regulatory compliance, data analytics and business transformation. Copyright © 2021 Milliman, Inc. All Rights Reserved Copyright information Terms of use Privacy policy Retirement account login Worldwide (English) Milliman and our third-party website analytics and performance partners use cookies on our website that may collect and use personal information in order to constantly improve website performance and reliability and to provide accurate and relevant information. By clicking “Accept,” you consent to the placement and use of cookies by Milliman and our third-party partners for these purposes. You can learn more about how this site uses cookies and related technologies by reading ourCookie Policy Manage cookie preferences Necessary cookies only Accept all cookies