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COVID-19 emergency orders FAQs

The Oregon Department of Consumer and Business Services issued COVID-19 emergency orders for multiple lines of insurance. The orders provide protection to people and businesses struggling because of the disruptions caused by the COVID-19 outbreak.

The first order was issued on March 25, 2020. It required all insurance companies to postpone policy cancellations and nonrenewals, extend grace periods for premium payments, and extend deadlines for reporting claims.

Postponement of policy cancellations and nonrenewals is not limited to nonpayment. This provides protection to some people and businesses in need of relief and ongoing insurance coverage.

The second order was issued on May 5, 2020. It applies to health insurers and requires at least a 60-day grace period to pay past due premiums, pay claims for any covered services during the first 30 days of the grace period, and extends deadlines for reporting claims and other communications.

Additional orders were issued on May 23, 2020. Those orders apply to property and casualty, long-term care, and life and disability insurers. These orders require insurers to provide at least a 60-day grace period to pay past due premiums, pay claims that occur during the first 30 days of the grace period, and extend deadlines for reporting claims and other communications.

The Division of Financial Regulation is sharing the frequently asked questions it has received to help insurers comply with the department’s orders. The FAQs will be updated regularly.

The division encourages insurers or other stakeholders to submit more questions about the order by email to dfr.policyteam@oregon.gov.

General questions
Health insurance
Property and Casualty, long-term care, and life and disability insurance

Visit the COVID-19 regulated businesses page to review the latest industry news and guidance issued by the division.

General questions

These questions apply to the emergency order that was issued on March 25. The orders issued on health, property and casualty, long-term care, and life and disability insurance supersede the March 25 order.

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Health insurance

The questions in this section are for the emergency order for health insurers that was issued on May 5, 2020. For health insurance, this order supersedes the March 25 order.

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Property and Casualty, long-term care, and life and disability insurance

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