OAR 836-043-0120: Minimum Standards of Insured Education Program

(1) At or before policy issuance, an insurer shall make available to the insured information covering the matters identified in this section. This information may be delivered via electronic means, as provided for under ORS Chapter 84. (a) Which workers are subject to the Workers' Compensation Law for whom premiums must be paid; (b) What remuneration is subject to premium charges; (c) How to divide payroll between assigned classifications, as established in OAR 836-042-0060; (d) The requirements for verifiable records, as established in OAR 836-042-0060; (e) The existence and nature of premium audits and the appeal process afforded insureds by ORS 737.505; (f) The insured’s responsibility to notify the insurer of changes in the business structure and operations; and (g) The classification notice requirements prescribed by OAR 836-043-0175 to 836-043-0185. (2) When the insurer becomes aware of changes in the insured’s business that affect the reporting of payroll or other exposure basis, the insurer shall provide additional appropriate instruction to the insured. (3) When changes in statute, rules or rating system occur that affect reporting of payroll or other exposure basis, the insurer shall provide notification of such changes to insureds as soon as reasonably possible.