A comprehensive reaction model was developed that incorporates the effect of bromide on monochloramine loss and formation of bromine and chlorine containing dihaloacetic acids (DHAAs) in the presence of natural organic matter (NOM). Reaction pathways accounted for the oxidation of bromide to active bromine (Br(l)) species, catalyzed monochloramine autodecomposition, NOM oxidation, and halogen incorporation into DHAAs. The reaction scheme incorporates a simplified reaction pathway describing the formation and termination of Br(l). In the absence of NOM, the model adequately predicted bromide catalyzed monochloramine autodecomposition. The Br(l) reaction rate coefficients are 4 orders of magnitude greater than HOCl for the same NOM sources under chloramination conditions. Surprisingly, the rate of NOM oxidation by Br(l) was faster than bromide catalyzed monochloramine autodecomposition by Br(l) so that the latter reactions could largely be ignored in the presence of NOM. Incorporation of bromine and chlorine into DHAAs was proportional to the amount of NOM oxidized by each halogen and modeled using simple bromine (alpha(Br)) and chlorine (alpha(Cl)) incorporation coefficients. Both coefficients were found to be independent of each other and alpha(Br) was one-half the value of alpha(Cl). This indicates that chlorine incorporates itself into DHAA precursors more effectivelythan bromine. Model predictions compared well with DHAA measurements in the presence of increasing bromide concentrations and is attributable to the increased rate of NOM oxidation, which is rate limited by the oxidation of bromide ion in chloraminated systems.