“our expectation right now is that for the full year, we're going to get a ratio that's very close to the midpoint of our range.”

In context

“Erik. Operator: Our next question comes from the line of Jimmy Bhullar of JPMorgan. Please go ahead. Jimmy Bhullar: Just had a question on the group business. If you can talk about what you're seeing in terms of claims utilization, both frequency and severity in your dental book? Ramy Tadros: Sure, Jimmy. It's Ramy here. I would say the dental story is very much a return to pre-pandemic utilization. So if you look at the quarter-over-quarter results, 2020 was exceptionally low in terms of dental utilization. We've seen that come back to normal levels. Q3 tends to be seasonally lower. So Q4 tends to kind of slightly tick up typically in terms of the dental business. So very much kind of a return to normal. And I would say if you look at the overall ratio, our non-medical health ratio. And our expectation right now is that for the full year, we're going to get a ratio that's very close to the midpoint of our range. Jimmy Bhullar: Okay. And then on the accounting changes, can you talk about where you are internally on sort of the process of figuring out what the impact will be on MetLife? And then relatedly, when do you think you'll start quantifying the impact and sharing it with the investment community? John McCallion: Good morning, Jimmy, it's John. We are well underway on our implementation work, progress continues. And I'd say, continue to be on target for implementation come 11/23. We're going to - we're in the process of evaluating transition amounts and ongoing impacts of the new guidance. And I'd say our plan is still intact, which would be kind of a mid-2022 timeframe, give or take, for disclosing and kind of sharing how to think about the transition and the insights you should draw upon t”