BENEFITS PAYABLE (Tables)

9 Months Ended

Sep. 30, 2018

Insurance [Abstract]

Activity in Benefits Payable

Activity in benefits payable for our Individual Commercial segment was as follows for the nine months ended September 30, 2018 and 2017:

	For the nine months ended September 30,
	2018			2017
	(in millions)
Balances, beginning of period	$	101		$	454
Incurred related to:
Current year	—			502
Prior years	(58		)	(46		)
Total incurred	(58		)	456
Paid related to:
Current year	—			(393		)
Prior years	(34		)	(383		)
Total paid	(34		)	(776		)
Balance, end of period	$	9		$	134

On a consolidated basis, activity in benefits payable, excluding military services, was as follows for the nine months ended September 30, 2018 and 2017:

	For the nine months ended September 30,
	2018			2017
	(in millions)
Balances, beginning of period	$	4,668		$	4,563
Less: Reinsurance recoverables	(70		)	(76		)
Balances, beginning of period, net	4,598			4,487
Incurred related to:
Current year	34,915			33,318
Prior years	(467		)	(430		)
Total incurred	34,448			32,888
Paid related to:
Current year	(30,204		)	(28,741		)
Prior years	(3,920		)	(3,745		)
Total paid	(34,124		)	(32,486		)
Reinsurance recoverable	98			70
Balances, end of period	$	5,020		$	4,959

Activity in benefits payable for our Retail segment was as follows for the nine months ended September 30, 2018 and 2017:

	For the nine months ended September 30,
	2018			2017
	(in millions)
Balances, beginning of period	$	3,963		$	3,507
Less: Reinsurance recoverables	(70		)	(76		)
Balances, beginning of period, net	3,893			3,431
Incurred related to:
Current year	31,209			29,356
Prior years	(367		)	(339		)
Total incurred	30,842			29,017
Paid related to:
Current year	(27,062		)	(25,460		)
Prior years	(3,334		)	(2,822		)
Total paid	(30,396		)	(28,282		)
Reinsurance recoverable	98			70
Balances, end of period	$	4,437		$	4,236

Activity in benefits payable for our Group and Specialty segment, excluding military services, was as follows for the nine months ended September 30, 2018 and 2017:

	For the nine months ended September 30,
	2018			2017
	(in millions)
Balances, beginning of period	$	568		$	578
Incurred related to:
Current year	4,018			3,996
Prior years	(41		)	(44		)
Total incurred	3,977			3,952
Paid related to:
Current year	(3,462		)	(3,452		)
Prior years	(509		)	(517		)
Total paid	(3,971		)	(3,969		)
Balances, end of period	$	574		$	561

Benefit Expenses Excluded From Activity in Benefits Payable

Benefits expense excluded from the previous table was as follows for the nine months ended September 30, 2018 and 2017.

	For the nine months ended September 30,
	2018			2017
	(in millions)
Future policy benefits:
Individual Commercial	$	(14	)	$	(67	)
Other Businesses	15			36
Total future policy benefits	$	1		$	(31	)

Schedule Of Benefits Payable

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
	September 30,
	2018
Net outstanding liabilities
Retail	$	4,339
Group and Specialty	574
Individual Commercial	9
Other Businesses	—
Benefits payable, net of reinsurance	4,922
Reinsurance recoverable on unpaid claims
Retail	98
Total benefits payable, gross	$	5,020