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Life and disability insurance

The Oregon Division of Financial Regulation has issued a grace period order for insurance companies that provide life and disability insurance in Oregon. This page provides frequently asked questions about this order.

Information on the COVID-19 webpages changes frequently and is updated regularly. Check back often for the most up-to-date information.

If you have questions about your insurance coverage, contact your provider.

If you have questions or need to file a complaint on an insurance company or agent, contact the division’s advocacy team at 888-877-4894 (toll-free) or email dfr.insurancehelp@oregon.gov.

​ The order requires all insurance companies issuing life and disability policies in Oregon to do the following:

  • Provide at least a one-time 90-day grace period to pay any past-due premiums
  • Pay claims for any covered losses during the grace period and before terminating coverage
  • Extend all deadlines for reporting claims and other communications, and provide members with communication options that meet physical distancing standards

Life and disability order
• Life and disability extension

Chart of minimum grace periods and days claims must be paid

Examples of life insurance includes term, whole, universal, mortgage term, and final expenses.

Examples of disability insurance includes both long- and short-term, mortgage, and supplemental. Disability policies cover you if you cannot work because you are sick or injured for an extended period of time.


Yes. However, the cancellation may not be retroactive to a date within or before the expiration of the grace period.


Yes. The division expects insurers to provide comparable flexibility for third parties when submitting claims or other communications on behalf of policyholders.


No. The order requires insurance companies to take all practicable steps to make reporting and communication methods available that are compatible with physical distancing recommendations.

However, the orders do not require insurance companies to adopt all possible methods for all forms of reporting and communication. For example, the orders do not require insurers to accept claims submitted solely by telephone call, without supporting documentation that may be necessary to confirm the claims.​​


​The order is in-effect through Sept. 20, 2020, but may be extended in 30-day increments as needed to address the COVID-19 outbreak. The order allows for a one-time grace period to pay a past-due premium.​

Life and disability order
• Life and disability extension

Chart of minimum grace periods and days claims must be paid

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