Operating Results Shown below are financial results and key performance indicators for the Closed Block segment. N.M. = not a meaningful percentage Year Ended December 31 2020 % Change 2019 % Change 2018 Adjusted Operating Revenue Premium Income Long-term Care $ 666.9  2.3  % $ 651.6  0.5  % $ 648.3  Individual Disability 319.6  (14.6) 374.3  (11.1) 420.8  All Other 7.9  3.9  7.6  (5.0) 8.0  Total Premium Income 994.4  (3.8) 1,033.5  (4.0) 1,077.1  Net Investment Income 1,370.3  (2.5) 1,404.9  2.0  1,377.1  Other Income 66.6  (6.6) 71.3  (5.4) 75.4  Total 2,431.3  (3.1) 2,509.7  (0.8) 2,529.6  Benefits and Expenses Benefits and Change in Reserves for Future Benefits 3,426.8  60.2  2,139.3  (26.7) 2,919.2  Commissions 78.4  (3.2) 81.0  (3.7) 84.1  Interest and Debt Expense 3.1  (41.5) 5.3  (23.2) 6.9  Other Expenses 158.7  8.4  146.4  1.2  144.7  Total 3,667.0  54.6  2,372.0  (24.8) 3,154.9  Income (Loss) Before Income Tax and Net Realized Investment Gains and Losses (1,235.7) N.M. 137.7  N.M. (625.3) Long-term Care Reserve Increase 151.5  N.M. —  N.M. 750.8  Group Pension Reserve Increase 17.5  N.M. —  — —  Impacts from Closed Block Individual Disability Reinsurance Transaction 1,305.5  N.M. —  — —  Amortization of the Cost of Reinsurance 2.6  N.M. —  —  —  Adjusted Operating Income $ 241.4  75.3  $ 137.7  9.7  $ 125.5  Interest Adjusted Loss Ratios: Long-term Care 91.9  % 88.1  % 206.8  % Long-term Care Excluding Reserve Increase 68.9  % 91.0  % Individual Disability N.M. 78.8  % 80.4  % Individual Disability Excluding Impacts from Reinsurance Transaction 85.1  % Operating Ratios (% of Premium Income): Other Expense Ratio 16.0  % 14.2  % 13.4  % Other Expense Ratio Excluding Impacts from Reinsurance Transaction 13.6  % Income (Loss) Ratio (124.3) % (58.1) % Adjusted Operating Income Ratio 24.3  % 13.3  % 11.7  % Persistency: Long-term Care 94.8  % 95.7  % 95.8  % Individual Disability 88.0  % 88.1  % 88.3  % (in millions of dollars, except ratios) 81