Employee benefits - Oregon

Summary of differences between federal and state regulations

Employee benefits are generally covered under the federal jurisdiction of the Employee Retirement Income Security Act (ERISA).

Federal ERISA plans generally do not have to comply with state laws. ERISA rules preempt or block state laws that relate to ERISA plans. State insurance laws, however, do apply. Oregon has laws governing group life insurance, which include such provisions as the following:

The policy must cover at least 75 percent of the eligible members of the group or 10 lives, whichever is the greater, at the date of issue of the policy.

Grace period is 31 days.

Employer contribution is optional.

The state also has laws pertaining to legal services insurance.

State

Contact

Oregon Insurance Division

Regulations

Oregon Revised Statutes

Chapter 743 Health and Life Insurance

https://www.oregonlegislature.gov/bills_laws/ors/ors743.html

§743.303 et seq.

Chapter 750 Health Care Services Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations

https://www.oregonlegislature.gov/bills_laws/ors/ors750.html

§750.505 et seq.

Federal

Contact

Employee Benefits Security Administration (EBSA)

Regulations

29 CFR chapter XXV (Parts 2509 – 2590)