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SB 1148 Oregon Senate · 2025 Regular Session

Relating to disability income insurance policies.

Summary
Prohibits disability income insurers from requiring a person to use or apply for other available benefits for which the person is eligible prior to being eligible for disability benefits offered by the insurer.
Issues: ✓ HealthcareSupports HealthcareProhibits insurers from forcing people to exhaust other benefits first for disability coverage, improving access to disability benefits and protecting insurance rights within healthcare coverage.90% confidence ✓ Labor & EmploymentSupports Labor & EmploymentProhibits insurers from delaying disability benefits by requiring other benefits first, expanding access to worker benefits under employment protections.95% confidence
Bill status signed all 5 stages cleared
Introduction
Feb 2025
Committee Review
May 2025
Senate Passage
May 2025
House Passage
May 2025
Signed into Law
May 2025
Introduced Feb 27, 2025 Signed May 28, 2025
Maddy AI version diff · 2 comparisons

What changed between versions

A-Engrossed → Enrolled · 4 edits · May 28, 2025
MODERATE
The bill was finalized from its A-Engrossed version to Enrolled status, adding a sponsor (Representative GRAYBER) and expanding consumer protections for disability insurance claimants. Key substantive changes include new requirements for insurers to explain why they disagreed with medical/vocational experts' opinions, provide specific citations of the rules they used to deny claims, and grant claimants free access to all claim-related documents.
Scope change
The bill's scope remains focused on disability income insurance policies in Oregon, with no change to which policies or people are covered.
REQUIREMENT

Insurers must now provide specific summaries or citations of the internal rules, guidelines, and criteria they used to make adverse benefit determinations, or state that they don't have such criteria.

Adverse benefit determination notices must explain why the insurer disagreed with advice from vocational consultants, healthcare providers, or the Social Security Administration if applicable.

Insurers must inform claimants of their right to access all documents and records related to their claim and adverse benefit determination free of charge upon request.

TECHNICAL

Header changed from 'A-Engrossed' to 'Enrolled' and added Representative GRAYBER as a co-sponsor, indicating the bill passed both legislative chambers in its final form.

Floor votes · Senate Apr 28, 2025 · House May 20, 2025

How they voted

26–3
Passed
Total votes 29
Apr 28, 2025
D Democratic17
17 Yea
100% Yea
R Republican12
9 Yea 3 Nay
75% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
21
Key actions
7
Committee
4
May 28, 2025
Signed into law
Governor signed.
upper
May 22, 2025
Lower · Passed
Speaker signed.
lower
May 21, 2025
Upper · Passed
President signed.
upper
May 20, 2025
Lower · Passed
Third reading. Carried by Grayber. Passed.
lower
May 15, 2025
Lower · Passed
Recommendation: Do pass.
lower
Apr 29, 2025
Committee
Referred to Labor and Workplace Standards.
lower
Apr 29, 2025
Introduced
First reading. Referred to Speaker's desk.
lower
Apr 28, 2025
Upper · Passed
Third reading. Carried by Taylor. Passed.
upper
Apr 22, 2025
Upper · Passed
Recommendation: Do pass with amendments. (Printed A-Eng.)
upper
Mar 3, 2025
Committee
Referred to Labor and Business.
upper
Feb 27, 2025
Introduced
Introduction and first reading. Referred to President's desk.
upper
1 primary · 1 co-sponsor

Sponsors

Role
Legislator
Party
State
District
P
Photo of Kathleen Taylor
Kathleen Taylor
DDemocratic
OR
21
Co
Photo of Dacia Grayber
Dacia Grayber
DDemocratic
OR
28