Oregon Administrative Rules Chapter 836 - DEPARTMENT OF CONSUMER AND BUSINESS SERVICES, INSURANCE REGULATION
Here’s an updated and detailed overview of Oregon Administrative Rules (OAR) Chapter 836 — governing Insurance Regulation under the Department of Consumer and Business Services:
📘 Chapter 836 Overview
Title: Department of Consumer and Business Services, Insurance Regulation
Last Updated: May 26, 2025 (oregon.public.law)
✅ Divisions Included
General Definitions
Procedural Rules
Taxation
Enforcement
Fees & Charges
General Provisions
Annual Statements & Reports by Insurers
Credit for Reinsurance
Annual Statement; Director’s Authority
Alternative Insurance Organizations
Advertisements of Health Insurance
24–29. Domestic Insurer Organization & Captives
31–33. Accounting, Investments & Rehabilitation
Rates & Ratemaking
Workers’ Comp Rating & Audits
50–60. Insurance Policy Regulations (Life, Health, Annuities, Auto, etc.)
Vendor Single Interest & Physical Damage Policies
Insurance Licensing
Licensing General
Trust Accounts
Third-Party Administrators
Trade Practices
Group Coverage Discontinuance & Replacement
Anti‑competitive Practices
Health Insurance Reform
Oregon Reinsurance Program
Misc. Regulatory Programs (oregon.public.law)
🔍 Selected Division Highlights
Division 5 – Procedural Rules
Sets standard rulemaking procedures for insurance regulation (not detailed in sources).
Division 9 – Fees & Charges (e.g., 836‑009‑0011)
Insurers are assessed annually—not exceeding 0.09% of gross domestic premiums—and must pay within 30 days of billing, issued by October 1 each year (oregon.public.law).
Division 11 – Annual Statements (e.g., 836‑011‑0250)
Applies to public entities running self-insurance plans; such entities must submit annual financial statements meeting ORS requirements (law.cornell.edu).
Division 20 – Advertisements of Health Insurance
Rules include requirements for plan compliance (e.g., sections up to 836‑020‑0805), with a deadline for insurers to adapt by January 1, 2008 (casetext.com).
Division 51 – Life Insurance Policy Illustrations
Rules (836‑051‑0500–0600) standardize illustration formats, require consumer-friendly disclosures, and aim to prevent misleading sales (law.cornell.edu).
Related appendix exhibits (e.g., approved NAIC Buyer’s Guide) are listed under Division 51 (dfr.oregon.gov).
Division 52 – Policy Reserve Standards
Section 836‑052‑0656 establishes minimum standards for long-term care policy reserves, including decrement model requirements (regulations.justia.com).
Division 54 – Emergency Order Wind‑down
Section 836‑054‑0400 defines policy expiration following a director-issued emergency order under ORS 731.870 (regulations.justia.com).
Division 71 – Insurance Licensing
Rules clarify scope and definitions regarding licensing and service fees; e.g., 836‑071‑0272 excludes certain insurance types and defines service-fee usage (law.cornell.edu).
Division 80 – Trade Practices & Replacement Rules
Section 836‑080‑0001 sets the framework and goals (protecting purchasers, preventing misrepresentation) for life/annuity replacement rules, including duties, penalties, and recordkeeping—modeled after NAIC standards (oregon.public.law).
Further sections detail unfair claims settlement practices (OAR 836‑080‑0205–0250) (repairerdrivennews.com).
🧾 Summary Table
Division | Key Focus Area |
---|---|
5 | Rulemaking Procedures |
9 | Insurer Fees & Assessments |
11 | Self‑Insurance Reporting |
20 | Health Insurance Advertising |
51 | Life Policy Illustrations |
52 | LTC Reserve Models |
54 | Emergency Policy Wind-down |
71 | Licensing Requirements |
80 | Trade Practices & Claim Standards |
📌 Want to Explore Further?
Assessment formulas & fee schedules (Div 9)
Reserve methodologies for health/life plans (Div 52)
Specific advertising or replacement rules wording (Div 20 & 80)
Unfair claims handling standards details (Div 80)
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