Company: HIG-PG
Filing Date: 2025-02-21
Form Type: 10-K
Source: 0000874766-25-000023
Chunk: 733

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-02-21
Form: 10-K
Item: Item 9B
Chunk 733
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 INSURANCE GROUP, INC.NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (continued)

 Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses as of December 31, 2024Losses and Allocated Loss Adjustment Expenses, Net of ReinsuranceSubtotalReserve LineCumulative Incurred for Incurral Years Displayed in TrianglesCumulative Paid for Incurral Years Displayed in TrianglesUnpaid for Incurral Years not Displayed in TrianglesUnpaid Unallocated Loss Adjustment Expenses, Net of ReinsuranceDiscountUnpaid Losses and Loss Adjustment Expenses, Net of ReinsuranceReinsurance and Other RecoverablesLiability for Unpaid Losses and Loss Adjustment ExpensesGroup long-term disability$14,365 $(8,243)$1,400 $193 $(1,121)$6,594 $270 $6,864 Group life and accident, excluding premium waiver6,213 (5,669)145 5 (12)682 4 686 Group short-term disability173 10 — 183 — 183 Group life premium waiver485 9 (63)431 3 434 Group supplemental health34 — — 34 5 39 Total Employee Benefits$20,578 $(13,912)$2,237 $217 $(1,196)$7,924 $282 $8,206 The following loss triangles present historical loss development for incurred and paid claims by the year the insured claim occurred, referred to as the incurral year. Triangles are limited to the number of years for which claims incurred typically remain outstanding, not exceeding ten years. Short-tail lines, which represent claims generally expected to be paid within a few years, have three years of claim development displayed. Changes in reserve development evident in the incurred loss triangles differ from prior accident year development recorded by the Company as shown in the reserve rollforward above as the triangles are presented on an undiscounted basis and exclude ULAE.Group Long-Term DisabilityUndiscounted Incurred Losses & Allocated Loss Adjustment Expenses, Net of ReinsuranceFor the years ended December 31,(Unaudited)IncurralYear2015201620172018201920202021202220232024IBNRReservesClaimsReported2015$1,595 $1,442 $1,422 $1,420 $1,401 $1,385