OR SB1148

Prohibits disability income insurers from requiring claimants to first apply for Oregon Paid Family and Medical Leave (ORS chapter 657B) benefits before becoming eligible for private disability insurance benefits

Maintains existing protections including limits of no more than two appeals to exhaust an insurer's appeals process, prohibition on undue delays in claim processing, and restrictions on mandatory arbitration

Requires insurers to notify claimants of adverse benefit determinations within 45 days, with possible extensions of up to two additional 30-day periods if additional information is needed

Grants claimants at least 180 days to appeal adverse benefit determinations and requires appeals to be completed within 45 days (with one possible 45-day extension)

Applies to disability income insurance policies offered, issued, or renewed on or after January 1, 2026