Oregon Paid Family and Medical Leave Insurance (PFMLI)
Oregon employers will soon be able to access disability benefits through a private plan that meets the requirements of the Oregon Paid Family and Medical Leave Insurance (PFMLI) law.
Arch Insurance Group Inc., a market leader in statutory disability and paid family leave markets, is carefully monitoring the new Oregon Paid Family and Medical Leave Insurance (PFMLI) law. Arch may participate by offering product built specifically for Oregon employers who wish to use an equivalent plan to the state program. All information below may change once Oregon releases final regulations.
Oregon Paid Family and Medical Leave Law
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 Oregon’s PFMLI?
Under the Oregon PFMLI program, an eligible employee may take time away from work to:
- 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.
Family and Medical Leave Insurance Timetable
for the State of Oregon
|date (subject to change)||REquirement|
|09/01/2022||Rules will be established|
|01/01/2023||State contributions will be collected|
|09/01/2023||Benefits will be payable|
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.
Regional Business Development Manager, Accident & 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.