At T. Mann Financial, our independent model empowers us to offer Oregonian business owners a wide range of insurance options tailored to their needs.
Click here to start an Equivalent Paid Leave quote with T. Mann Financial.
What is Paid Leave Oregon?
The Oregon Paid Family and Medical Leave (PFML) program is a state-run program that provides paid leave benefits to eligible individuals in Oregon.
Paid Leave Oregon Program
Paid Leave Oregon ensures eligible workers can take paid time off for personal or family care during significant life events, funded through contributions from both employees and employers.
Who's eligible for benefits?
"If someone is eligible for benefits, it means they’re able to participate in Paid Leave. Employees who currently work in Oregon and who made at least $1,000 in Oregon in their base year before they apply for Paid Leave may be eligible for benefits." -oregon.gov (2025)
What are the benefits?
"Employees can take up to 12 weeks paid leave in a 52-week period (starting the Sunday before the date their leave begins) for family, medical, or safe leave.
If pregnant, in some situations, an employee may be able to take up to 2 more weeks for a total of 14 weeks. Paid Leave pays employees a percentage of their wages while they’re on leave.
Paid leave protects an employee’s job and role if they’ve worked for the same employer for at least 90 consecutive days." -oregon.gov (2025)
What May be Covered?
Family Leave
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Bonding with a newborn.
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Welcoming an adopted or foster child.
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Completing pre-adoption or foster care requirements.
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Caring for a family member with a serious health condition.
Medical Leave
Safe Leave
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Care for yourself when you have a serious health condition
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Survivors of sexual assault, domestic violence, harassment, bias crimes, or stalking
Use the official state calculator to find out what your contribution should be.
Learn more on the Paid Leave Oregon website.
Equivalent Paid Leave Plans
Employers can offer paid leave plans that provide benefits equal to or better than Paid Leave Oregon.
T. Mann Financial can help determine whether an equivalent plan is right for your business.
Equivalent plans are employer-provided paid leave programs, approved by the Oregon Employment Department (OED) that serve as alternatives to the state-administered Paid Leave Oregon program.
Two Approaches
Employer-Administered Plans
• Full Responsibility: Businesses manage all aspects of their paid leave programs.
• Financial Risk Management: Employers handle the financial risks of benefit payouts.
• Benefit Administration: Businesses administer all paid leave benefits.
• Direct Employee Payments: Employers directly pay employees during their leave.
• Proof of Solvency: Employers must demonstrate financial stability to the OED.
Fully Insured Plans
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Insurance Coverage: Employers purchase coverage from a DCBS-approved private insurance carrier.
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Responsibility Shift: The insurance company assumes responsibility for benefit administration and claim payments.
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Premium Payments: Employers pay regular premiums to the insurance carrier.
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Lower Risk: This model can be attractive to businesses with a lower tolerance for direct financial risk.
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Benefit Payments: The insurance company handles direct payments to employees on leave.
The Benefits of Fully Insured Equivalent Plans
T. Mann Financial can help Oregonians find the right Fully Insured Equivalent Plan for their business.
Fully Insured Equivalent Plan
A fully insured equivalent Paid Leave Oregon plan can offer potential cost savings for employers while avoiding the administrative overhead of self-managing the program.
Employers with 25+ Employees
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Benefits of Fully Insured Equivalent Plans
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Potential Cost Savings: Fully insured equivalent plans may offer competitive premiums compared to the state's contribution rates, particularly for larger employers.
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Enhanced Benefits and Customization: Equivalent plans can be tailored to better suit the specific needs of a company's workforce and can be integrated with existing benefits like short-term disability insurance.
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Reduced Administrative Burden: With a fully insured plan, the insurance carrier handles most of the administrative tasks, such as claims processing and benefit payments.
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Processing Time: Insurance companies may leverage deep industry expertise to provide quicker turnaround time and a seamless experience.