TFS Financial CORP | 2013 | FY | 3

The following table summarizes the activity in the liability for unpaid losses and loss adjustment expenses: 
 
September 30,
 
2013
 
2012
 
2011
Balance, beginning of year
$
3,351

 
$
4,023

 
$
5,082

Incurred increase (decrease)
287

 
797

 
(57
)
Paid claims
(1,480
)
 
(1,469
)
 
(1,002
)
Balance, end of period
$
2,158

 
$
3,351

 
$
4,023

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