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SELF-INSURANCE RESERVE FOR LOSSES AND LOSS ADJUSTMENT EXPENSES
 12 Months Ended
Dec. 31, 2015
Self-Insurance Reserve for Losses and Loss Adjustment Expenses Disclosure [Abstract]  
Self-Insurance Reserve for Losses and Loss Adjustment Expenses
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 2015 and 2014:
($ in millions)
2015
 
2014
Balance at beginning of year
$
384

 
$
362

Less: reinsurance recoverable
(4
)
 
(5
)
Net balance at beginning of year
380

 
357

Incurred related to:
 
 
 
Current year
141

 
126

Prior years
(11
)
 
(2
)
Total incurred
130

 
124

Paid related to:
 
 
 
Current year
(27
)
 
(24
)
Prior years
(70
)
 
(77
)
Total paid
(97
)
 
(101
)
Net balance at end of year
413

 
380

Add: reinsurance recoverable
3

 
4

Balance at end of year
$
416

 
$
384

 
 
 
 
Current portion classified in “Accrued expenses and other”
$
115

 
$
120

Noncurrent portion classified in “Other noncurrent liabilities”
301

 
264

 
$
416

 
$
384


Our provision for incurred losses for the current year increased by $15 million over 2014, primarily due to an increase in medical benefit costs and growth in business activity. We decreased our provision for incurred losses for prior years by $11 million in 2015 and by $2 million in 2014 as a result of changes in estimates from insured events from prior years due to changes in underwriting experience and frequency and severity trends.