(in millions of dollars) December 31, 2019 Gross Total Reinsurance Ceded Policy Reserves Claim Reserves Total Net % Incurred IBNR % Total Group Disability $ —  —  % $ 5,814.5  $ 683.8  28.2  % $ 6,498.3  $ 58.3  $ 6,440.0  Group Life and Accidental Death & Dismemberment 59.9  0.3  721.1  234.2  4.1  1,015.2  6.2  1,009.0  Individual Disability 499.0  2.4  1,391.1  140.3  6.6  2,030.4  217.2  1,813.2  Voluntary Benefits 1,700.1  8.2  45.8  51.4  0.4  1,797.3  26.1  1,771.2  Dental and Vision —  —  —  15.4  0.1  15.4  0.2  15.2  Unum US Segment 2,259.0  10.9  7,972.5  1,125.1  39.4  11,356.6  308.0  11,048.6  Unum International Segment 186.5  0.9  1,986.4  110.0  9.1  2,282.9  87.6  2,195.3  Colonial Life Segment 2,229.0  10.8  297.4  113.2  1.8  2,639.6  6.2  2,633.4  Individual Disability 258.8  1.3  8,724.1  172.7  38.5  9,155.6  1,669.4  7,486.2  Long-term Care 9,864.6  47.8  2,045.2  232.0  9.9  12,141.8  44.7  12,097.1  Other 5,847.9  28.3  177.6  120.5  1.3  6,146.0  5,133.1  1,012.9  Closed Block Segment 15,971.3  77.4  10,946.9  525.2  49.7  27,443.4  6,847.2  20,596.2  Subtotal $ 20,645.8  100.0  % $ 21,203.2  $ 1,873.5  100.0  % 43,722.5  7,249.0  36,473.5  Adjustment Related to Unrealized Investment Gains and Losses 5,803.1  424.7  5,378.4  Consolidated $ 49,525.6  $ 7,673.7  $ 41,851.9  41 The following table displays policy reserves, incurred claim reserves, and IBNR claim reserves by major product line, with the summation of the policy reserves and claim reserves shown both gross and net of the associated reinsurance recoverable. Incurred claim reserves represent the expected benefits payable under each incurred claim, along with other expenses associated with the payment of the claims. IBNR claim reserves include provisions for incurred but not reported claims and a provision for reopened claims for our disability products. The IBNR and reopened claim reserves for our disability products are developed and maintained in aggregate based on historical monitoring. Impacting year over year comparability of policy and claim reserves in the following chart is the 2018 long-term care reserve increase. See "Executive Summary" contained herein in this Item 7 and Note 6 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion.