Oregon Paid Family and Medical Leave Insurance
Oregon employers will soon be able to access disability benefits through a private plan that meets the requirements of Paid Leave Oregon.
Coming Soon for Oregon Employees
Arch Insurance Group Inc., a market leader in statutory disability and paid family leave, has developed an insured product to meet the specifications of the new Paid Leave Oregon law. The product is built specifically for Oregon employers who wish to file for an Equivalent plan to the state program.
Paid Leave Oregon Law (HB 2005)
Oregon House Bill 2005 creates a paid family and medical leave insurance program in the state of Oregon. This benefit may be available to employees beginning in September 2023.
Employers are required to participate in the state program unless they have an approved equivalent plan, such as one provided by Arch Insurance. Employers are required to submit contributions (deductions from payroll) to the state. Employers who file for approval of an equivalent private plan will be exempt from state contributions. These employers will remain exempt from state contributions as long as they retain an approved equivalent plan for their employees.
For the state plan, employers will contribute 40% of the total rate; employees 60% through payroll deduction. An employer can choose to pay all or part of the employee contributions as a company benefit.
What’s Covered Under Paid Leave Oregon?
- Bond with a child during the first year after birth, adoption or foster care placement.
- Care for a family member with a serious medical condition.
- Address their own serious health condition.
- Address issues relating to an employee experiencing issues related to domestic violence, harassment, sexual assault or stalking.
Visit Paidleave.Oregon.gov for more details. (Link opens in a new window.)
Family and Medical Leave Insurance Timetable for the State of Oregon
|date (subject to change)||REquirement|
|Jan. 1, 2023||Contributions to the state program began.|
|Feb. 28, 2023||Deadline for employers to submit their final Equivalent Plan Application for an Apriil 1, 2023 exemption date (if you did not file a Declaration of Intent).|
|May 31, 2023||Deadline for employers who filed a Declaration of Intent to submit their final Equivalent Plan Application.|
Deadline for employers to submit their final Equivalent Plan Application for a July 1, 2023 exemption date.
|Sept. 3, 2023||Benefits are set to begin.|
State Plan Benefits
Under the state plan, eligible employees can collect up to 12 weeks of paid benefits. In some cases, four to six additional weeks may be possible, some of these may be unpaid.
Equivalent Private Plan Details
- In order to participate in a private plan, the employer must obtain approval from the state Employment Department.
- Employers are permitted, but not required, to deduct from employees’ pay money to fund the equivalent program. The amount cannot exceed what employees would pay into the States program.
- Employers must apply for re-approval annually for three years after initial approval, or if the plan changes.
Not all employers are required to participate in the Oregon plan. Federal government employees are not covered. Self-employed individuals and federally recognized travel employers are not required to participate, but may choose to opt into the state or a private plan.
Paid Leave Oregon
Learn more about the coverage and benefits available under Paid Leave Oregon.
VP, Accident and Health
Assistant Vice President, Disability Underwriting
Insurance coverage is underwritten by a member company of Arch Insurance Group Inc. This is only a brief description of the insurance coverage(s) available under the policy. The policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.