“And that will set us up nicely in combination with the heavy Q1 utilization quarter behind us to see a gradual decline for the nonmedical health ratio. And think of that for the full year being towards the midpoint of our range.”

In context

“ine of Joel Hurwitz with Dowling. Please go ahead. Joel Hurwitz: Hey good morning. Can you unpack the nonmedical health loss experience in the quarter I get the seasonality, but was surprised to see it up a bit year-over-year? And I guess how is dental experienced this quarter versus last year period? Ramy Tadros: Sure. It's Ramy here. So maybe let me start with the dental piece. So the performance of the dental business in this quarter was well in line with our expectations. Recall that Q1 just tends to be a higher utilization quarter as the benefit resets. And then I'll also just point you to what I just mentioned earlier with respect to the disciplined underwriting here in terms of the actions that we've been taking on 1/1, and we're certainly pleased with the outcome of those actions. And that will set us up nicely in combination with the heavy Q1 utilization quarter behind us to see a gradual decline for the nonmedical health ratio. And think of that for the full year being towards the midpoint of our range. The other parts of the ratio, disability continues to perform very much in line with our expectations. STD and LTD incidents came in right on the mark. We continue to see very strong recoveries in terms of the closures. I would say those are coming in slightly ahead of our expectations in the disability block. And the small headwind we did see in disability relates to delays in the social security administration approvals which did have somewhat of an impact this quarter, albeit small. So net-net, I would say, performing in line with our expectations and think of a full year number to be close to the midpoint of our range. Joel Hurwitz: Got it. Very helpful. And then switching gears. Other Asia sales were very strong in the quarter. Can you just unpack what you saw there? And then I guess”