SELF-INSURANCE RESERVE FOR LOSSES AND LOSS ADJUSTMENT EXPENSES

The following table summarizes the activity in our self-insurance reserve for losses and loss adjustment expenses as of year-end 2014 and 2013:



($ in millions)	2014			2013
Balance at beginning of year	$	362		$	342
Less: reinsurance recoverable	(5		)	(5		)
Net balance at beginning of year	357			337
Incurred related to:
Current year	126			116
Prior years	(2		)	8
Total incurred	124			124
Paid related to:
Current year	(24		)	(25		)
Prior years	(77		)	(79		)
Total paid	(101		)	(104		)
Net balance at end of year	380			357
Add: reinsurance recoverable	4			5
Balance at end of year	$	384		$	362

Our provision for incurred losses relating to the current year increased by $10 million over 2013 primarily due to an increase in medical benefit costs and growth in business activity. Our provision for incurred losses relating to prior years decreased by $2 million in 2014 and increased by $8 million in 2013 as a result of changes in estimates from insured events from prior years due to changes in underwriting experience and frequency and severity trends. Our year-end 2014 self-insurance reserve of $384 million consisted of a current portion of $120 million and noncurrent portion of $264 million. Our year-end 2013 self-insurance reserve of $362 million consisted of a current portion of $120 million and noncurrent portion of $242 million.