Liabilities for Unpaid Claims and Claims Expenses (Tables)

12 Months Ended

Dec. 31, 2016

Liability For Unpaid Claims And Claims Adjustment Expense [Line Items]

Details of unpaid claim discounted liability

(In billions)	2016						2015
Discounted liabilities		$		3.9			$		3.7
Aggregate amount of discount		$		1.1			$		1.0
Range of discount rates	3.3	%	-	5.8	%	3.5	%	-	5.7	%

Long-term Disability [Member]

Liability For Unpaid Claims And Claims Adjustment Expense [Line Items]

Incurred and paid claims development

(In millions, except for claims frequency)
		Incurred Claims (undiscounted)
Accident Year	2012 (Unaudited)		2013 (Unaudited)		2014 (Unaudited)		2015 (Unaudited)		2016		Incurred But Not Reported Liabilities		Claims Frequency
2012	$	995	$	951	$	889	$	876	$	883	$	-		21,170
2013				1,063		1,037		1,062		1,072		-		23,493
2014						1,158		1,129		1,167		3		25,175
2015								1,184		1,154		17		25,133
2016										1,246		524		13,734
Cumulative incurred claims for the periods presented									$	5,522
		Cumulative Paid Claims
Accident Year	2012 (Unaudited)		2013 (Unaudited)		2014 (Unaudited)		2015 (Unaudited)		2016
2012	$	81	$	288	$	429	$	504	$	571
2013				92		342		503		600
2014						111		379		575
2015								114		417
2016										122
Cumulative paid claims for the periods presented										2,285
All outstanding liabilities prior to 2012, net of reinsurance										1,361
Impact of discounting										(976)
Liability for long-term disability unpaid claims and claim expenses, net of reinsurance									$	3,622

Reconciliation of net inucurred and paid claims development table to the liability for unpaid claims and claim expenses

(In millions)
Net outstanding liabilities – Group Disability and Life segment
Long-term disability liabilities, net of reinsurance	$	3,622
Other short-duration insurance books of business, net of reinsurance		620
Liabilities for unpaid claims and claim expenses, net of reinsurance		4,242
Reinsurance recoverable on unpaid claims – Group Disability and Life segment
Long-term disability		86
Other short-duration insurance books of business		14
Total reinsurance recoverable on unpaid claims		100
Total liability for unpaid claims and claim expenses – Group Disability and Life segment		4,342
Global Supplemental Benefits segment		384
Other Operations segment		191
Total liability for unpaid claims and claim expenses	$	4,917

Group Disability and Life, Global Supplemental Beneftits and Other Operations [Member]

Liability For Unpaid Claims And Claims Adjustment Expense [Line Items]

Liability balance details

(In millions)	2016		2015
Group Disability and Life	$	4,342	$	4,006
Global Supplemental Benefits		384		353
Other Operations		191		215
Unpaid claims and claim expenses	$	4,917	$	4,574

Group Disability and Life and Global Supplemental Benefits [Member]

Liability For Unpaid Claims And Claims Adjustment Expense [Line Items]

Liability balance details

(In millions)	2016		2015		2014
Balance at January 1,	$	4,359	$	4,178	$	4,038
Less: Reinsurance		115		104		99
Balance at January 1, net		4,244		4,074		3,939
Incurred claims related to:
Current year		4,258		3,813		3,512
Prior years:
Interest accretion		161		163		149
All other incurred		93		(91)		(165)
Total incurred		4,512		3,885		3,496
Paid claims related to:
Current year		2,575		2,325		2,078
Prior years		1,560		1,382		1,271
Total paid		4,135		3,707		3,349
Acquisitions		-		11		-
Foreign currency		(16)		(19)		(12)
Balance at December 31, net		4,605		4,244		4,074
Add: Reinsurance		121		115		104
Balance at December 31,	$	4,726	$	4,359	$	4,178