SELF-INSURANCE RESERVE FOR LOSSES AND LOSS ADJUSTMENT EXPENSES (Tables)

12 Months Ended

Dec. 31, 2014

Self-Insurance Reserve for Losses and Loss Adjustment Expenses Disclosure [Abstract]

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