Ownership Submission
FORM 5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Form 3 Holdings Reported
Form 4 Transactions Reported
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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1. Name and Address of Reporting Person *
SCHARMER NEAL R
 2. Issuer Name and Ticker or Trading Symbol
UNITED FIRE GROUP INC [UFCS] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
VP/General Counsel/Corp Sec
(Last)
(First)
(Middle)

118 SECOND AVENUE SE, P.O. BOX 73909		 3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2013
(Street)


CEDAR RAPIDS, IA 52407-3909		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Reporting
(check applicable line)

_X_ Form Filed by One Reporting Person
___ Form Filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned at end of Issuer's Fiscal Year
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Amount (A) or (D) Price
Common Stock             6,620 (1) D  
Common Stock             829 I By Issuer's Employee Stock Ownership Plan for self
Common Stock             768 (2) I By 401(k) Plan for self

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number. SEC 2270 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned at End of Issuer's Fiscal Year
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
(A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Option (Right to Buy) $ 32.39             (3) 02/18/2015 Common Stock
2,500
  2,500
D
 
Stock Option (Right to Buy) $ 39.13             (3) 02/17/2016 Common Stock
2,500
  2,500
D
 
Stock Option (Right to Buy) $ 35.23             (3) 02/16/2017 Common Stock
5,000
  5,000
D
 
Stock Option (Right to Buy) $ 33.43             (3) 05/21/2018 Common Stock
4,639
  4,639
D
 
Stock Option (Right to Buy) $ 22.42             (4) 05/19/2020 Common Stock
3,000
  3,000
D
 
Stock Option (Right to Buy) $ 20.54             (5) 02/18/2021 Common Stock
5,049
  5,049
D
 
Stock Option (Right to Buy) $ 23.96             (6) 02/15/2023 Common Stock
5,074
  5,074
D
 

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
SCHARMER NEAL R
118 SECOND AVENUE SE
P.O. BOX 73909
CEDAR RAPIDS, IA 52407-3909		       VP/General Counsel/Corp Sec  

Signatures

/s/ Neal R. Scharmer by Dianne M. Lyons, Attorney-in-Fact 02/13/2014
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) The total number of securities beneficially held directly by the Reporting Person includes: 3,200 shares held by Mr. Scharmer; 1,974 shares of restricted stock issued under the Issuer's 2008 Stock Plan which vest, subject to certain conditions, on 02/18/2016; and 1,446 shares of restricted stock issued under the Issuer's 2008 Stock Plan which vest, subject to certain conditions, on 02/15/2018.
(2) The number of securities shown as being held in, acquired by or disposed of by the Issuer's 401(k) account for the Reporting Person's benefit are the approximate number of shares of common stock (excluding fractionals) for which the Reporting Person has the right to direct the vote under the Issuer's 401(k) plan. Such shares are not directly allocated to 401(k) plan participants, but are instead held in a unitized fund consisting primarily of Issuer common stock, together with a small percentage of short-term investments. 401(k) Plan participants acquire units of this fund.
(3) All options currently exercisable.
(4) 1,800 options currently exercisable; 1,200 options become exercisable in two (2) equal installments of 600 options each on 05/19/2014 and 05/19/2015, respectively.
(5) 2,019 options currently exercisable; 3,030 options become exercisable in three (3) equal installments of 1,010 options each on 02/18/2014, 02/18/2015 and 02/18/2016, respectively.
(6) 1,014 options become exercisable on 02/15/2014; 4,060 options become exercisable in 4 equal installments of 1,015 options each on 02/15/2015, 02/15/2016, 02/15/2017 and 02/15/2018,respectively.

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