OAR 836-043-0105
Definitions

As used in OAR 836-043-0101 (Statutory Authority; Purpose; Applicability) to 836-043-0170 (Premium Audit Hearings), unless the context requires otherwise:

(1)

“Audit” means a process of verification of information used to determine the premium for a workers’ compensation insurance policy that is performed in one of the following formats:

(a)

“Desk audit” means an audit performed by an insurer at a site, other than the insured’s principal place of business, mutually agreed to by the insurer and the insured. A desk audit does not consist of an examination of a payroll report submitted by the insured to the insurer in lieu of an audit.

(b)

“Field audit” means an audit performed by an insurer at the insured’s principal place of business, work site, or other site mutually agreed to by the insurer and the insured.

(2)

“Bureau” means the licensed rating organization of this state for workers’ compensation insurance.

(3)

“Classification” means a grouping of insurance risks according to a classification system used by an insurer.

(4)

“Classification System” means a schedule of classifications and a rule or set of rules used by an insurer for determining the classifications applicable to an insured.

(5)

“Committee” means the Oregon Workers’ Compensation Rating System Review and Advisory Committee established by OAR 836-043-0200 (Statutory Authority; Purpose; Applicability) to 836-043-0240 (Committee Activities).

(6)

“Insured” means an employer who has been issued a workers’ compensation insurance policy by an insurer.

(7)

“Insurer” means any insurer authorized to write workers’ compensation insurance in this state or the State Accident Insurance Fund Corporation.

(8)

“Payroll” or “remuneration” means money or substitutes for money payable to workers for their services, which are specified or defined by the rating system used by the insurer subject to the limitations imposed in the definition of “payroll” in ORS 656.005 (Definitions).

(9)

“Payroll report” means a report of an insured’s payroll by class code used by an insurer to determine the premium for an insurance policy.

(10)

“Premium” means the contractual consideration charged to an insured for an insurance policy for a specified period of time, regardless of the timing of actual charges.

(11)

“Rate” means a monetary amount applied to the exposure units for a classification to determine the premium for an insurance policy.

(12)

“Rating Plan” means a rule or set of rules used by an insurer to calculate premium for an insurance policy, including all rating plan factors applied, after application of classification premium rates to exposure units.

(13)

“Rating System” means a collection of rating plans to be used by an insurer, rules for determining which rating plans are applicable to an insured, a classification system and other rules used by an insurer for determining contractual consideration for an insurance policy.

(14)

“Standard Premium” means the premium determined by application of approved rates, including experience rating modifications and other charges in accordance with the statistical plan as defined in OAR 836-042-0045 (Workers’ Compensation Statistical Plan).

(15)

“Workers’ Compensation Insurance” means insurance providing coverage for the obligations of an employer arising from illness or insurance to workers whether such obligation is imposed by ORS Chapter 656 (Workers’ Compensation), similar laws of the United States or agreement between states.

Source: Rule 836-043-0105 — Definitions, https://secure.­sos.­state.­or.­us/oard/view.­action?ruleNumber=836-043-0105.

836‑043‑0001
Statutory Authority 836‑043‑0005
Definitions for the Workers’ Compensation Insurance Plan 836‑043‑0009
Participation by Insurers and Insurance Producers 836‑043‑0017
Plan Administrator 836‑043‑0021
Servicing Carriers 836‑043‑0024
Right to Apply 836‑043‑0028
Application by Electronic Transmission or Telephone 836‑043‑0032
Nonelectronic Application 836‑043‑0034
Surety Bonds 836‑043‑0041
Application Review 836‑043‑0044
Binding Coverage 836‑043‑0046
Rates and Forms, Policy Term, Additional Coverages and Other Provisions 836‑043‑0048
Additional States’ Coverage 836‑043‑0050
Interstate Assignments 836‑043‑0053
Premium Obligations 836‑043‑0056
Insurer Cancellation and Nonrenewal of Workers’ Compensation Insurance Policies or Surety Bonds 836‑043‑0060
Assignment Formula 836‑043‑0062
Issuance and Continuation of Policy 836‑043‑0064
Renewal, Nonrenewal 836‑043‑0066
Reassignment 836‑043‑0068
Cancellation 836‑043‑0071
Dispute Resolution Procedures 836‑043‑0072
Voluntary Coverage 836‑043‑0076
Takeout Credit 836‑043‑0079
Notification of Outstanding Premium 836‑043‑0082
Policyholder Services 836‑043‑0087
Producer Changes and Compensation 836‑043‑0089
Confidentiality of Information 836‑043‑0091
Self-Funded Plan 836‑043‑0101
Statutory Authority 836‑043‑0105
Definitions 836‑043‑0110
Insurer Premium Audit Program 836‑043‑0115
Insurer Audit Procedure Guide 836‑043‑0120
Minimum Standards of Insured Education Program 836‑043‑0125
Purpose 836‑043‑0130
Selection of Risks for Test Audit 836‑043‑0135
Test Audits 836‑043‑0145
Disposition of Test Audits 836‑043‑0150
Summary of Test Audit Results 836‑043‑0155
Test Audit Standards 836‑043‑0165
Monitoring Audit Program System 836‑043‑0170
Premium Audit Hearings 836‑043‑0175
Statutory Authority 836‑043‑0180
Definitions 836‑043‑0185
Insurer Classification Notice 836‑043‑0200
Statutory Authority 836‑043‑0210
Definitions 836‑043‑0220
Committee Participation 836‑043‑0230
Committee Operating Rules 836‑043‑0240
Committee Activities 836‑043‑0300
Qualifications for Workers’ Compensation Rating Oganizations 836‑043‑0310
Exchange of Data Among Workers’ Compensation Rating Organizations 836‑043‑0320
Competitive Selection Process
Last Updated

Jun. 24, 2021

Rule 836-043-0105’s source at or​.us