Liabilities for Unpaid Claims and Claims Expenses (Tables)

12 Months Ended

Dec. 31, 2017

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

Details of unpaid claim discounted liability

(In billions)		2017							2016
Discounted liabilities	$		4.0				$				3.9
Aggregate amount of discount	$		1.0				$				1.1
Range of discount rates		4.5	%	-	5.2	%		3.3	%	-	5.8	%

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 (Unaudited)		2017		Incurred But Not Reported Liabilities		Claims Frequency
2012	$	995	$	951	$	889	$	876	$	883	$	880	$	-		21,180
2013				1,063		1,037		1,062		1,072		1,057		-		23,516
2014						1,158		1,129		1,167		1,146		-		25,281
2015								1,184		1,154		1,185		5		25,609
2016										1,246		1,184		20		24,722
2017												1,226		540		10,569
Cumulative incurred claims for the periods presented											$	6,678
				Cumulative Paid Claims
Accident Year	2012 (Unaudited)		2013 (Unaudited)		2014 (Unaudited)		2015 (Unaudited)		2016 (Unaudited)		2017
2012	$	81	$	288	$	429	$	504	$	571	$	621
2013				92		342		503		600		670
2014						111		379		575		667
2015								114		417		603
2016										122		411
2017												110
Cumulative paid claims for the periods presented											$	3,082
All outstanding liabilities for the periods presented, net of reinsurance											$	3,596
All outstanding liabilities prior to 2012, net of reinsurance												1,142
Impact of discounting												(948)
Liability for long-term disability unpaid claims and claim expenses, net of reinsurance											$	3,790

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	$	3,790
Other short-duration insurance books of business, net of reinsurance		599
Liabilities for unpaid claims and claim expenses, net of reinsurance		4,389
Reinsurance recoverable on unpaid claims – Group Disability and Life segment
Long-term disability		94
Other short-duration insurance books of business		8
Total reinsurance recoverable on unpaid claims		102
Total liability for unpaid claims and claim expenses – Group Disability and Life segment		4,491
Global Supplemental Benefits segment		484
Other Operations segment		193
Total liability for unpaid claims and claim expenses	$	5,168

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)	2017		2016
Group Disability and Life	$	4,491	$	4,342
Global Supplemental Benefits		484		384
Other Operations		193		191
Unpaid claims and claim expenses	$	5,168	$	4,917

Group Disability and Life and Global Supplemental Benefits [Member]

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

Liability balance details

(In millions)	2017		2016		2015
Balance at January 1,	$	4,726	$	4,359	$	4,178
Less: Reinsurance		121		115		104
Balance at January 1, net		4,605		4,244		4,074
Incurred claims related to:
Current year		4,341		4,258		3,813
Prior years
Interest accretion		163		161		163
All other incurred		(4)		93		(91)
Total incurred		4,500		4,512		3,885
Paid claims related to:
Current year		2,724		2,575		2,325
Prior years		1,572		1,560		1,382
Total paid		4,296		4,135		3,707
Acquisitions		-		-		11
Foreign currency		29		(16)		(19)
Balance at December 31, net		4,838		4,605		4,244
Add: Reinsurance		137		121		115
Balance at December 31,	$	4,975	$	4,726	$	4,359