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Oregon Family And Medical Leave Act Insurance Program (PFML)

Paid Leave Benefits in Oregon: FAMLI Resource Center

Since its inception in 2023, Paid Leave Oregon has offered one of the most generous employee benefits programs for workers who need time off for medical or caregiving purposes.

The DBL Center ranked Oregon as the best state for paid family leave in 2026, thanks to its generous maximum weekly benefit of $1,636.56.

Oregon PFL and PML pay 100% of an employee's wages up to 65% of the state's average weekly wage. If an employee’s average weekly wage is greater than 65%  of the state’s average weekly wage, Paid Leave covers 65% of the state-wide average weekly wage and then 50% of the remaining wages up to the maximum weekly benefit. The maximum weekly benefit ($1,636.56) is 120% of the state-wide average weekly wage in 2026.

Combined paid medical leave and paid family leave may not exceed 12 weeks in any 52-week period, with an additional two weeks available for limitations caused by pregnancy.

Oregon PFL works in conjunction with the Oregon Family Leave Act (OFLA). Paid Family and Medical Leave in Oregon is not protected leave. But the state’s family leave act, along with the Federal Family and Medical Leave Act, add job security for employees who have been at their current job 90 days or more.

To qualify for a claim, the employer must have earned at least $1,000 working in Oregon in the prior year. PFML, or Paid Leave Oregon, covers time off:

  • To bond with a child within the first year following birth, adoption, or foster care
  • To care for a family member with a serious medical condition
  • For workers with a serious off-the-job illness or injury (with an additional two weeks available for pregnancy complications)
  • Following sexual assault, domestic violence, harassment, stalking or bias crimes

Family members include spouses or domestic partners of covered individuals, parents, children, grandparents and their domestic partners, siblings and stepsiblings, plus any blood relative or relative “by affinity.” This includes anyone whose close association with a covered individual is the equivalent of a family relationship.

What Employers Should Know About Paid Leave In Oregon

Like other state paid leave programs, Oregon PFML requires payroll deductions for funding.

It is a cost-shared benefit, with employees contributing 60% of premiums and employers with 25+ lives contributing 40% of no more than 1% of an employee’s covered wages.

Small businesses of fewer than 25 employees do not have to pay the employer portion, but must remit the employee portion of premium payments through payroll deductions. Large or small employers may choose to cover the full amount as part of a comprehensive employee benefits package.

In today’s competitive labor environment, employers may choose this route to help attract and retain workers. The Oregon Employment Department sets the contribution rates, which may change annually. The Oregon Employment Department sets the contribution rates, which may change annually. In 2026, the rate remains at 1% of wages, but the maximum taxable wage base increased to $184,500, in line with the Social Security contribution maximum.

Employers have choices when it comes to PFML: They can participate in the state program, which is administered, managed, and funded through the Oregon State Fund or they can obtain a private policy through an approved carrier. Equivalent plans must provide benefits equal to, or better than, the state plan, at rates equal to, or lower than, the state plan.

Why Employee Benefits Insurance Brokers Should Offer Their Oregon Clients a Private Plan

The State of Oregon permits companies to privatize Paid Leave for cost savings and more personalized service. Claims may be processed in four days or less.

The DBL Center can write PFML in Oregon as a stand-alone benefit. There is no need to bundle ancillary benefits or voluntary worksite benefits with an Oregon Family Leave plan, although clients might save even more money by doing so.

The DBL Center can help brokers quote a private plan quickly, with just an accurate employee census that includes gender, birth date and salary for every employee.

When you write Oregon Paid Leave through The DBL Center for your clients, you’ll also gain access to our state-of-the-art Broker Dashboard: Net Revenue Tracker, 24/7 customer service, and industry leading benefits experts to share or knowledge and experience in statutory benefits, ancillary benefits, and voluntary worksite benefits.

Frequently asked questions

Oregon Paid Family and Medical Leave (PFML) is a statewide program that provides eligible employees with paid time off for certain family and medical reasons. Funded through employer and employee payroll contributions, depending on the size of the business, the program provides full or partial wage replacement while a worker is on approved leave. The DBL Center, a wholesale general agency specializing in statutory and ancillary benefits, rated Oregon’s program as the best for PFL in 2025 and 2026, thanks to its generous maximum benefit. 

Yes. Oregon offers Paid Family and Medical Leave through its state-administered PFML program, which allows eligible employees to take paid time off for their own serious health condition, to care for a family member, to bond with a new child, or for certain safe leave situations. Workers can also opt to write these statutory benefits through an approved private carrier offering benefits equal to or greater than the state plan with premium rates the same or lower. The DBL Center, a wholesale general agency, works with carriers to provide insurance brokers and employers in Oregon with private benefits packages and white-glove service. 

PFMLI covers any employee who has earned $1,000 or more in the year prior to filing the claim. Federal government employees are not covered, but may have other federal programs in place. Self-employed individuals and tribal governments may opt in. Organizations and companies who work with independent contractors need not contribute to self-employed plans. Private plans and their premiums are the responsibility of the contractor as a self-employed individual.

It can take an average of 25 days from the time you apply for benefits to the time you receive your first payment if an employer provides Oregon PFML coverage through the state fund, according to the Oregon Paid Leave website. Writing benefits through a private plan may offer faster, more flexible payouts. The DBL Center works with approved carriers to provide private OR PFML benefits.

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