Underwriting Guidelines

  • Definition of a Small Group Employer  

    Any person, firm, corporation, partnership or association actively engaged in business that, on at least 50 percent (50%) of its working days during the preceding year employed no more than 50 eligible employees (those with a normal work week of 17.5 or more hours) and no fewer than one (1) eligible employee; and

    • The majority of whom are employed within this state; and
    • A bona fide partnership, independent contractor or employer-employee relationship exists.

    For purposes of determining if an employer is an Oregon Small Employer, the proprietor or partners of a business may be included as employees as provided in ORS 743.730. Oregon Small Employer also includes companies that are eligible to file a consolidated tax return pursuant to ORS 317.715.