BENEFITS PAYABLE (Tables)

6 Months Ended

Jun. 30, 2017

Insurance [Abstract]

Activity in Benefits Payable

Activity in benefits payable for our Retail segment was as follows for the six months ended June 30, 2017 and 2016:

	For the six months ended June 30,
	2017			2016
	(in millions)
Balances, beginning of period	$	3,507		$	3,600
Less: Reinsurance recoverables	(76		)	(85		)
Balances, beginning of period, net	3,431			3,515
Incurred related to:
Current year	20,010			19,259
Prior years	(287		)	(299		)
Total incurred	19,723			18,960
Paid related to:
Current year	(16,385		)	(15,766		)
Prior years	(2,707		)	(2,946		)
Total paid	(19,092		)	(18,712		)
Reinsurance recoverable	78			75
Balances, end of period	$	4,140		$	3,838

Activity in benefits payable for our Individual Commercial segment was as follows for the six months ended June 30, 2017 and 2016:

	For the six months ended June 30,
	2017			2016
	(in millions)
Balances, beginning of period	$	454		$	740
Less: Premium deficiency reserve	—			(176		)
Balances, beginning of period, net	454			564
Incurred related to:
Current year	304			1,816
Prior years	(26		)	(97		)
Total incurred	278			1,719
Paid related to:
Current year	(223		)	(1,396		)
Prior years	(378		)	(417		)
Total paid	(601		)	(1,813		)
Premium deficiency reserve	—			337
Balance, end of period	$	131		$	807

Activity in benefits payable for our Group and Specialty segment, excluding military services, was as follows for the six months ended June 30, 2017 and 2016:

	For the six months ended June 30,
	2017			2016
	(in millions)
Balances, beginning of period	$	578		$	616
Incurred related to:
Current year	2,629			2,556
Prior years	(31		)	(38		)
Total incurred	2,598			2,518
Paid related to:
Current year	(2,117		)	(2,000		)
Prior years	(518		)	(543		)
Total paid	(2,635		)	(2,543		)
Balances, end of period	$	541		$	591

On a consolidated basis, activity in benefits payable, excluding military services, was as follows for the six months ended June 30, 2017 and 2016:

	For the six months ended June 30,
	2017			2016
	(in millions)
Balances, beginning of period	$	4,563		$	4,976
Less: Premium deficiency reserve	—			(176		)
Less: Reinsurance recoverables	(76		)	(85		)
Balances, beginning of period, net	4,487			4,715
Incurred related to:
Current year	22,576			23,211
Prior years	(345		)	(435		)
Total incurred	22,231			22,776
Paid related to:
Current year	(18,332		)	(18,720		)
Prior years	(3,626		)	(3,925		)
Total paid	(21,958		)	(22,645		)
Premium deficiency reserve	—			337
Reinsurance recoverable	78			75
Balances, end of period	$	4,838		$	5,258

Benefit Expenses Excluded From Activity in Benefits Payable

Benefits expense excluded from the previous table was as follows for the six months ended June 30, 2017 and 2016.

	For the six months ended June 30,
	2017			2016
	(in millions)
Premium deficiency reserve - Individual Commercial	$	—		$	161
Military services	—			6
Future policy benefits:
Individual Commercial	(36		)	(62		)
Other Businesses	20			25
Total future policy benefits	(16		)	(37		)
Total	$	(16	)	$	130

Schedule Of Benefits Expense

The reconciliation of the net incurred and paid claims development tables to benefits payable in the consolidated

statement of financial position is as follows:

Reconciliation of the Disclosure of Incurred and Paid Claims Development to Benefits Payable, net of reinsurance
	June 30,
	2017
Net outstanding liabilities
Retail	$	4,062
Group and Specialty	541
Individual Commercial	131
Other Businesses	26
Benefits payable, net of reinsurance	4,760
Reinsurance recoverable on unpaid claims
Retail	78
Total reinsurance recoverable on unpaid claims	78
Total benefits payable, gross	$	4,838