Around the PIA Western Alliance States

Around the PIA Western Alliance States

Oregon — Work Comp Rates: Oregon — Oregons workerscompensation rates remain among the lowest in the nation, according to an analysis released today by the Oregon Department of Consumer and Business Services (DCBS). This reflects the states ongoing success in making workplaces safer and keeping costs under control.

The biennial study ranks all 50 states and Washington, D.C., based on premium rates that were in effect Jan. 1, 2022.

Oregon had the 10th least expensive rates in 2022. Oregon fell in the rankings by four spots from the 2020 survey, despite having a lower premium index rate, because rates in other states dropped a few pennies more. Oregons index rate is 93 cents per $100 of payroll, down from $1.00 from 2020.

DCBS announced in September that Oregon workerscompensation rates would decline further – an average 3.2 percent – in 2023. Workerscompensation pays injured workers for lost wages and medical care for job-related injuries.

In recent years, rates have dropped all over the country, which has led to a compression of the scores in the survey. The premium index rates are bunched up at the low end, so that small changes in the index rates can lead to big jumps in the ranking.

In 2020, Oregon was sixth least expensive. In 2022, that spot is held by Kentucky. However, there is just a 7-cent difference per $100 of payroll between the two (93 cents for Oregon and 86 cents for Kentucky).

This study is an important tool for the workerscompensation systems throughout the U.S.,” said DCBS Director Andrew Stolfi. It shows how strong the Oregon workerscompensation system has become since the surveys inception in 1986. As an agency, we work hard to keep workplace injuries low and benefits robust and are glad to see insurance costs for employers continue to fall.”

The study shows New Jersey had the most expensive rates, followed by Hawaii and California. Meanwhile, North Dakota had the least expensive rates. In the Northwest, Washingtons rates were the 24th most expensive and Idaho was the 16th most expensive.

Oregon researchers also compared each states rates to the national median (the 26th ranked state) rate of $1.27 per $100 of payroll. Oregons rate of 93 cents is 73 percent of the median, its second-lowest recorded level.

To produce a valid comparison of states, which have various mixes of industries, the study calculates rates for each state using the same mix of the 50 industries with the highest workerscompensation claims costs in Oregon.

Oregon has conducted these studies in even-numbered years since 1986, when Oregons rates were among the highest in the nation. The department reports the results to the Oregon Legislature as a performance measure. Oregons relatively low rate today underscores the success of the states workerscompensation system reforms and its improvements in workplace safety and health.

Oregon has long taken a comprehensive approach to making workplaces safer, keeping business costs low, and providing strong worker benefits. This approach includes enforcing requirements that employers carry insurance for their workers, keeping medical costs under control, and helping injured workers return to work sooner and minimize the impact on their wages.

It also includes efforts to prevent on-the-job injuries by enforcing workplace safety and health rules, and advising employers about how to improve worker safety and health.

The study can be found at

Oregon — Third Party Statutes: The Oregon Division of Financial Regulation is planning to introduce a bill in the 2023 Oregon Legislative Session that would make changes to Oregons third party administrator (TPA) statutes.  You are receiving this email because (1) your organization is currently licensed or registered as a TPA in Oregon or (2) you have otherwise been identified as potentially interested in this legislation.


The division is hosting a stakeholder meeting to discuss the bill on Thursday, December 1 from 3pm-4:30pm PT.  This meeting will be conducted online only via Microsoft Teams.  An invitation is attached, and the log in information is below.  Additional information will be distributed in advance of the meeting.

If there are individuals who should be added or removed from this list, please let me know.

Microsoft Teams meeting

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About PIA Western Alliance

The Professional Insurance Agents Western Alliance is a membership organization promoting and enhancing the success of independent agencies seeking to grow, learn and be heard within the industry.


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