Department Oregon Insurance
Insurance Division Winter 2012
Message from Acting Administrator Contents
Producer licensing............... 3
As you know, Teresa Miller left her position
as Insurance Division administrator to work in Property and casualty
Washington, D.C., as senior adviser for the Center insurance............................. 4
for Consumer Information & Insurance Oversight. Nonstandard personal
Teresa provided outstanding leadership to the automobile policy ................ 5
Insurance Division, and she will be greatly missed.
That being said, it is important that our industry Other programs ................... 6
and consumer stakeholders know that the good Retainer medical practices
work of the Insurance Division will continue during must register with DCBS ..... 6
Enforcement actions ........... 7
Louis Savage There will be a nationwide recruitment for the
permanent insurance administrator. Realistically, Administrative rules
it is unlikely that the permanent position will be filled before April. In the and bulletins ........................ 8
meantime, the Insurance Division will not miss a beat in meeting its Recent rate activity.............. 9
regulatory obligations and protecting Oregon consumers.
I will continue the transparent approach to our work, including
communicating frequently to our stakeholders about the issues we are
facing. With that in mind, here are a number of issues that may be of
interest to you.
Although the Insurance Division has been able to lower some health
insurance rate requests, significant rate relief cannot be achieved without
addressing health insurance’s primary cost driver: medical costs.
One area of potential cost savings is the reimbursement of preventable
medical errors. Also called preventable adverse events or “never events,”
these are medical errors that should never occur, such as amputation of
the wrong limb or bedsores acquired in a hospital.
The division has been asked by several members of the 2012 Legislature
to assist with legislation that would prohibit insurers from seeking rate
increases unless their agreements with health care providers disallow
reimbursement for certain preventable medical errors. Although many
hospitals and providers already agree not to bill for such events, this
legislation would ensure it does not happen – potentially saving costs for
the insurer and reducing upward pressure on health insurance premiums.
Continued on next page
Message from Acting Administrator, continued
Long-term care increase to consumers. In cases where we approve a
lesser amount than requested, we want the company
As you know, the division has devoted a significant to tell consumers whether it believes the amount to
amount of time and resources to address the health be insufficient and it will likely return for future rate
insurance rate review process. Another rate challenge increases.
we face is long-term care. Often, these policies were
purchased years ago by consumers who planned for
that time in their lives when they could no longer care
for themselves. Now, medical inflation and other costs As a result of legislation proposed by the Insurance
are overtaking the premiums that are being paid. A Division and passed by the 2011 Legislature, Oregon
number of long-term care rate requests await decisions is now a member of the Interstate Insurance Compact,
as we struggle with two key issues: which reviews life insurance, annuities, disability
income, and long-term-care insurance products before
1. Since these are national products, how much they can be sold. Compact policies must meet uniform
of an increase are other states’ approving? We standards, including strong consumer protections.
believe it would be unfair to subject Oregonians Insurance companies can choose whether to file
to an increase that would subsidize rates paid by products with the compact representing multiple states
consumers in other states. or with individual states.
2. If we approve less than an insurer requests — or We believe that by participating in the compact, we
even the full amount — will the company be back can streamline the approval process so that Oregon
in a few years asking for more? One thing we have consumers have new insurance products more quickly
heard from an advisory group and consumers is available to them. In all cases, whether the compact or
that they want to know up front about the likelihood the Insurance Division approves an insurance product
of future increases so they don’t keep paying on a for sale, consumers with questions or complaints can
policy they ultimately cannot afford. contact the division’s consumer advocates at 888-877-
In December, we approved nine rate increases for 4894.
various companies in amounts ranging from 10 As I mentioned above, I will communicate with you
percent to 50 percent over a two-year period. In regularly and look forward to meeting at least some of
these cases, we feel our rate approvals are in line you in the near future. It is a privilege for me to fill the
with those of other states. Additionally, we will require role as acting administrator. ●
that companies disclose all years of any phased rate
Health Insurance Recent Rate Activity
You can look up recently approved health insurance rates in the small
employer/individual markets at www.oregonhealthrates.org.
Or, rate increases approved in 2011 are listed in this chart, which is updated
quarterly, http://www.oregonhealthrates.org/files/qrt_rates.pdf. ●
Oregon Insurance Regulator Winter 2012 2
By Jim Thompson, producer licensing manager
By mid-2012, insurance and submitting an address change to viewing a CE
agencies operating in Oregon transcript. License administrators can produce reports
will be able to complete on all licensees – singly or in groups.
licensing applications and
For example, you can track continuing education
renewals online. That is just
credits online with OLS. All continuing education
one of the benefits the producer
providers will be required to upload information
community will see as the
on agents as they complete courses. When this
Insurance Division transitions
information is uploaded, the course information will
to the State Based Systems
automatically load into producer records.
(SBS) operating system. The
division will have its new Once you complete all necessary CE, the system
Jim Thompson operating system by early May, will recognize that the licensee has met the CE
and various features will come requirements. However, you should continue to retain
online after that. copies of your certificates of completion.
This electronic system, owned by the National Continuing education providers will complete online
Association of Insurance Commissioners (NAIC), is applications to become an approved CE provider and
used in partnership with state insurance departments to receive course approval. Additionally, providers will
to simplify insurance regulation. Once SBS is in place be able to post information on course dates, times, and
in Oregon, agencies will seek and renew licenses and locations.
change addresses electronically. SBS will charge CE course providers $1 per credit hour
Individual agents already have the ability to complete that is uploaded. For instance, SBS will charge $30 for
their licensing applications and renewals online through a three-hour course with 10 attendees. The producer’s
the National Insurance Producers Registry (NIPR). individual NPN (National Producer Number) will be
However, with the new operating system, we expect to required to upload this information.
process all producer license transactions online. We
are also exploring options to bring nonresident adjuster Other producer licensing news
Annuity suitability requirement
Don’t forget that producers must complete a one-time,
Your NPN four-hour (or four-credit) annuities course to meet
With this transition, all individual license numbers will new Oregon requirements involving the suitability of
be converted to National Producer Number (NPN). annuity sales. No person may sell, solicit, or negotiate
The NPN is a unique number of up to 10 digits that any annuity transaction without first going through
identifies you in the Producer Database (PDB). The the training. Agents who were authorized to sell life
NAIC created it to avoid privacy issues surrounding the insurance when the rules took effect had until Jan. 1,
use of the Social Security number. 2012, to take the course.
This number will take the place of your existing
license number and will allow you to complete online Portable electronics devices
transactions through the NIPR or the SBS Online As of Jan. 1, 2012, vendors who sell or lease portable
Licensee Services (OLS). If you have more than one electronics devices, such as cell phones or electronic
license type, all licenses will have the same license/ tablets, must obtain a limited insurance producer
NPN. The license number for business entities will also license from the Department of Consumer and
change to an SBS-assigned number. Business Services before issuing, selling, or offering
portable electronics insurance coverage to customers.
If you are not already using NIPR, here is a link so The licensing structure will allow for the licensed
that you can find your unique number: https://pdb. entity (such as large retailers) to maintain the license.
Licensees who sign up for OLS will see many benefits. Continued on next page
The OLS annual $5.95 subscription fee allows you to
perform a variety of functions, from printing a license
Oregon Insurance Regulator Winter 2012 3
Producer licensing, continued
Individual sales staff will not be required to obtain inbox. For network security reasons, our system does
individual licenses as long as certain conditions not allow us to click links like these.
No e-mail sent from our office is spam. Please make
sure that your spam filters are set to receive e-mails
Don’t block our e-mails from firstname.lastname@example.org. In the very near
We frequently receive reply e-mails from people who future, we will be communicating only through e-mail,
have their spam filters set up to reject e-mails from so it is very important that you are able to receive
unknown senders. Some of these e-mails ask us to correspondence from our office. ●
click on a link to fill out a request form to get in your
Property and casualty insurance
By Cece Newell, property and casualty technician
Personal vehicle sharing programs Home service agreements
now a go The Insurance Division received a flurry of calls in
The 2011 Legislature passed House Bill 3149 making late 2011 from consumers who received literature
Oregon the second state (after California) to allow that promoted protection against the cost of repairing
personal vehicle sharing programs. These programs broken residential sewer/water lines. Callers wanted to
now allow vehicle owners to rent their vehicle to others. know if this was insurance, and if it was legal.
While the vehicle is part of a personal vehicle sharing Generally, if these agreements meet the requirements
program, the program assumes all liability for the for home service agreements, they are legal and
vehicle owner. In fact, the owner’s liability insurer may exempt from the Insurance Code. (House Bill 3145
exclude all coverage under the owner’s policy. But, passed in the 2003 Legislature clarified that home
the liability insurer cannot cancel, terminate or non- protection insurance does not include “home service
renew the owner’s policy solely because the owner agreements.”)
participates in a personal vehicle sharing program. Home service agreements are defined in ORS
The program insurance policy must include the 731.164(1)(b)(B) and range from traditional agreements
following coverages: covering a variety of mechanical or appliance systems
in the residential structure to agreements covering
» Bodily injury and property damage items located on the residential property such as
» Personal injury protection broken sewer/water lines.
» Uninsured motorist coverage Questions? Contact Cece Newell: 503-947-7203. ●
» Comprehensive damage for the vehicle in the
» Collision damage for the vehicle in the program
For more information on the amounts of coverage
and other details, here’s a link to the bill: http://www.
Questions? Contact Cece Newell at 503-947-7203.
Oregon Insurance Regulator Winter 2012 4
Nonstandard personal automobile policy
by Jan Vitus, rates and forms analyst
To assure protection of Oregon automobile consumers, 3. Days to report vehicles (new or replacement) —
Insurance Division staff spent much of 2011 reviewing the Special Personal Auto forms give a 14-day
new Insurance Services Office Inc. (ISO) personal window to report a new vehicle acquisition for
automobile policy forms to be used for customers liability coverage, and four days to report for
who do not fit an insurance company’s standard or physical damage.
preferred underwriting criteria.
Some independently developed and filed
A “nonstandard” operator might have too many motor automobile insurance forms allow up to 30 days
vehicle convictions or accidents, not enough years to report. This is often an area of confusion for
of driving experience, drive a sports car, or exhibit a consumers, insurance producers, auto dealers,
combination of high-risk factors. After much internal and lenders. Agents should review with their clients
discussion, collaboration, and work negotiating coverage, limitation, and exclusion clauses in
changes with ISO, an acceptable product was each auto policy contract form to confirm reporting
approved for use in Oregon. requirements.
In an unusual move, ISO will not be filing the new 4. Coverage limitations of the Special Personal Auto
Special Personal Auto Policy, or the Oregon Advisory Policy — liability coverage is reduced to Oregon’s
Notice to Policyholders form, on behalf of its members minimum financial responsibility limits for nonfamily
or subscribers. Instead, each insurance company residents of the household and nonresident/
that wishes to use the forms will need to make an nonfamily permissive users.
Circumstances when the insured or a family
The new ISO Special Personal Auto Policy forms will member would receive minimum financial
differ in some significant ways from coverage found in responsibility limits include: driving without a valid
the current ISO Personal Auto Policy contracts: driver license or permit; convicted of driving under
the influence of alcohol or illegal drugs; undisclosed
1. Newly acquired vehicles — reporting requirements
business use of a vehicle; or while committing a
mirror what is in the ISO Personal Auto Policy
felony of which the person is convicted.
The division will closely monitor these new personal
If a newly acquired vehicle is not reported within
auto forms so we can work with Market Surveillance
the timelines provided, then coverage will not
and Consumer Advocacy if any complaints arise. ●
begin until the date the vehicle is reported to the
insurance company. If you have any questions regarding this subject,
2. Undisclosed operators — the Special Personal
Jan Vitus, CIC, MHP, HIA, CRM, CCP
Auto forms treat resident family members
differently than resident nonfamily members of the
For liability coverage, the Special Auto Policy
requires disclosure of any new residents in
the household who are not family members. A
nonfamily operator who joins the household, or
who becomes newly licensed, must be reported to
the insurance company within four days.
Physical damage coverage (comprehensive and
collision) is excluded for loss to any vehicle while
operated by any family member, or any other
person who is a resident of the household, but
who has not been disclosed as an operator within
Oregon Insurance Regulator Winter 2012 5
High-risk pool: 2012 changes The “birthday rule” would allow people to switch
Medicare supplement plans once a year for a period
The Oregon Medical Insurance Pool (OMIP) plans surrounding the person’s birthday. It would allow the
for 2012 no longer include a $500 deductible plan. Medicare beneficiary to select a different supplement
However, OMIP members who were enrolled in the plan – as long as the new policy has the same or
$500 deductible plan in 2011 may remain in that plan. lesser benefits – without the possibility of being turned
The 2012 premium rates are posted on the OMIP down or charged more based on health. The public
website: www.omip.state.or.us. The premium rates comment period has closed and the rule is being
across OMIP’s four medical plans, including the $500 finalized. As drafted, it would be effective April 1, 2012,
deductible plan, increased an average of 2.75 percent and apply to policies issued on or after Jan. 1, 1990.
SHIBA — Medicare information assistance
Federal Medical Insurance Pool rates will increase an
average of 5.6 percent for Plan 500 and 5.9 percent Questions about Medicare? Call the Senior Health
for Plan 750. The Oregon Health Authority operates Insurance Benefits Assistance (SHIBA) staff of the
the state’s federally funded high-risk insurance pool, Insurance Division: 800-722-4134.
allowing people with pre-existing health conditions to Medicare supplement commissions
purchase medical insurance, which provides another Paying a reduced commission rate on guaranteed-
health insurance option for Oregonians with existing issue business versus business that is underwritten
medical conditions who have been denied coverage. has become a common practice for some Medicare
supplement insurers across the country. However, this
Medicare practice of providing greater incentives to sell policies
Medicare supplement ‘birthday rule’ to healthy people over those with a guaranteed right
to coverage who may have medical conditions is
The Insurance Division has drafted rules that would
not allowed in Oregon. In other words, commission
create additional enrollment opportunities for people
rates cannot be lower for guaranteed-issue business
who want to change Medicare supplement policies.
than for the same-age person who enrolls outside
The rules were developed in response to complaints
a guaranteed-issue period and is underwritten.
the division received from people who moved into a
Companies who have been contacted about this have
Medicare supplement policy, then were subjected to
corrected their commission schedules. ●
significant rate increases and were unable to change
policies without underwriting.
Retainer medical practices must register with DCBS
As of Jan. 1, 2012, retainer medical practices must register with DCBS. These primary care
physicians who offer specific services to patients for a set fee that is paid regularly (usually annual
or semiannual) are exempt from insurance regulation but must now be certified with us.
We have a consumer tip sheet explaining these practices here: http://insurance.oregon.
gov/consumer/consumer-tips/4845-26_retainer-medical-practices.pdf. Our webpage for
physician groups and others is here: http://www.cbs.state.or.us/external/ins/insurer/retainer-
Oregon Insurance Regulator Winter 2012 6
This Regulator lists key orders that were posted on Claiborne, Mark E.
the Insurance Division website from October through Walla Walla, Wash.
December 2011. More orders are posted at http:// Violation: Made unsuitable recommendation in
insurance.oregon.gov/admin_actions/adminact.html. three annuity transactions; made false or fraudulent
statement relative to application for insurance; failed
Insurance companies to promptly or truthfully respond to inquiries from the
Marketplace orders DCBS director.
UnitedHealthcare Insurance Company Penalty: Oregon expired nonresident individual
Hartford, Conn. insurance producer license revoked.
Violation: Failed to notify members that company Date of Order: 11/7/2011
needed additional information to process claims. Horst, J. Timothy
Penalty: $20,000 Portland
Date of Order: 10/25/2011 Violation: Forged client signatures on insurance
Williamsburg National Insurance Company applications; made a false statement about an
Southfield, Mich. insurance application; failed to notify the DCBS director
Violation: Recouped more from policyholders than about an address change; failed to notify the DCBS
its assessment by the Oregon Insurance Guaranty director of a change in residence.
Association. Penalty: $3,400
Penalty: $5,000 Date of Order: 10/4/2011
Date of Order: 11/21/2011 Robinson, Daniel R.
Rancho Cordova, Calif.
Financial orders Violation: Convicted in California of misdemeanor
Suspended crime of resisting an executive officer; provided
false information on 2008 Oregon producer license
Majestic Insurance Company
application; insurance regulators in California and
Virginia took administrative action against agent for
Date of Order: 10/21/2011
failing to disclose conviction on producer license
PMI Mortgage Insurance Company application; Robinson failed to disclose administrative
Phoenix, Ariz. actions by other states to Oregon insurance regulators;
Date of Order: 11/21/2011 Robinson failed to respond to an Oregon DCBS
Producers Penalty: Oregon resident individual insurance
Bader Company producer license revoked
Indianapolis Date of Order: 10/28/2011 ●
Violation: Accepted insurance business from
unlicensed storage companies.
Date of Order: 11/16/2011
Oregon Insurance Regulator Winter 2012 7
Administrative rules and bulletins
Visit our website to find links to these recently adopted Amends rules to allow use of 2001 CSO preferred
rules and all rules: http://insurance.oregon.gov/ mortality tables (ID 17-2011): Amends rules
rules/recent_admin_rules.html. specifying which mortality table is recognized for use
Adopts, amends, and repeals rules involving state in determining minimum reserve liabilities; allows
and federal health insurance reforms (ID 23-2011): a company to substitute the 2001 CSO Preferred
These rules ensure that the Oregon Insurance Code is Mortality Tables in place of the 2001 CSO Smoker or
consistent with the federal Affordable Care Act. Nonsmoker Mortality Tables for policies issued before
Effective: Dec. 14, 2011 Jan. 1, 2007.
Questions? email@example.com Effective: Oct. 24, 2011
Adopts rules requiring vendors to obtain a limited
license to sell portable electronics insurance (ID Adopts Oregon Companion Guide for Health Care
22-2011): Vendors who sell or lease cell phones, Claims: Professional, Dental, and Institutional
electronic tablets, and other electronics devices must (ID 16-2011): This rule adopts uniform standards
obtain a limited insurance producer license from DCBS for administrative simplification of health care claims
before selling portable electronics insurance coverage transactions, as developed and recommended by the
to customers. Oregon Health Authority.
Effective: Jan. 1, 2012 Effective: Oct. 31, 2011
Questions? firstname.lastname@example.org Questions? email@example.com
Adopts and amends rules aligning Oregon surplus Amends rules to clarify limit on premium rate
lines laws with the Federal Nonadmitted and increases for Medicare supplement policies (ID
Reinsurance Reform Act of 2010. (ID 21-2011): 15-2011): Clarifies that a provision limiting premium
These rules align Oregon surplus lines laws with increases for Medicare supplement policies to once in
federal laws that are part of the Dodd-Frank Wall Street a 12-month period does not apply to changes in policy
Reform and Consumer Protection Act. or payment terms initiated by the insured. Specifies
Effective: Jan. 1, 2012 that the limit on premium increase applies to all existing
Questions? firstname.lastname@example.org 1990 plans and all 2010 policies renewed on or after
Jan. 1, 2012.
Amends and appeals rules to reflect Oregon Effective: Oct. 31, 2011
membership in the Interstate Insurance Product Questions: email@example.com
Regulation Commission (ID 20-2011): Oregon
became a member of the compact on Jan. 1, 2012, and Adopts rules requiring risk-based capital trend test
the rules reflect this membership. by property and casualty insurers (ID 14-2011):
Effective: Jan. 1, 2012 This rule provides the Insurance Division with an
Questions? firstname.lastname@example.org additional tool to determine whether a property and
casualty insurer falls within a risk-based capital
Adopts rules relating to retainer medical practices company action level.
certification and disclosure requirements (ID 19- Effective: Oct. 31, 2011
2011): These rules implement Senate Bill 86, which Questions: email@example.com
exempts retainer medical practices from the Insurance
Amends rules involving self-insured reporting
Code but requires certification through DCBS and
rules to define qualified actuary for health
requires certain patient disclosures.
insurance (ID 13-2011): This rule corrects an
Effective: Jan. 1, 2012
oversight in a rule amended on Feb. 4, 2011, to define
a qualified actuary for self-insured groups that must
Adopts rules relating to registration of contracting meet certain financial requirements related to reserve
entities that lease health care providers (ID 18- adequacy provisions.
2011): These rules establish an annual registration Effective: Sept. 21, 2011
process for noninsurance entities that contract directly Questions? firstname.lastname@example.org
with a provider for health care services or that lease a
provider network to a third party. 2011 Bulletins
Effective: Jan. 1, 2012
Bulletins can be found at http://insurance.oregon.
Oregon Insurance Regulator Winter 2012 8
Recent rate activity
TOP 10 OREGON HOMEOWNERS INSURERS BASED ON PREMIUM†
Name of Company Domicile Direct Premium Market Most Recent New Renewing
Written Share Rate Change Policies Policies
1 State Farm Fire & Cas Co IL $164,452,422 25.98% 0.0% n.a. (1) n.a. (1)
2 Farmers Ins Co Of OR OR $58,551,382 9.25% 5.3% 03/16/11 03/16/11
3 Safeco Ins Co of OR OR $44,334,575 7.00% 1.8% 5/14/11 (3) 7/12/11 (3)
4 Farmers Ins Exch CA $29,641,113 4.68% 1.4% 03/16/11 03/16/11
5 Country Mut Ins Co IL $27,526,539 4.35% 9.3% 12/01/11 12/01/11
6 Allstate Ins Co IL $22,403,747 3.54% 1.8% n.a. (2) 11/03/11
7 American Family Mut Ins Co WI $21,968,379 3.47% 6.0% 10/01/11 10/01/11
8 Allstate Prop & Cas Ins Co IL $19,669,225 3.11% 5.0% 09/19/11 11/03/11
9 Foremost Signature Ins Co MI $19,246,650 3.04% 0.0% n.a. (1) n.a. (1)
10 Allstate Ind Co IL $16,496,029 2.61% 2.0% n.a. (2) 11/03/11
TOP 10 $424,290,061 67.0% 2.3%
TOTAL 118 COMPANIES $632,923,511
Premiums includes renters, condos, manufactured homes, and coverages such as boats, golf carts, and jewelry.
Rate activity applies to homeowners’ coverages only unless noted.
† Insurer rankings based on 2010 direct premium written.
(1) Company has not filed an overall rate change in the past 12 months.
(2) As of April 1, 2006, new business is written only in Allstate Property and Casualty Insurance Company and
Allstate Fire and Casualty Insurance Company
(3) Company’s previous change was a 5.2 percent average overall increase effective Feb. 12, 2011.
TOP 10 OREGON AUTOMOBILE INSURERS BASED ON PREMIUM†
Name of Company Domicile Direct Premium Market Most Recent New Renewing
Written Share Rate Change Policies Policies
1 State Farm Mut Auto Ins Co IL $377,957,341 18.75% 3.8% 10/24/11 11/24/11
2 Farmers Ins Co of OR OR $254,010,221 12.60% 3.5% 05/30/11 06/30/11
3 Safeco Ins Co of OR OR $136,576,903 6.77% 0.0% n.a. (1) n.a. (1)
4 Progressive Universal Ins Co WI $105,198,781 5.22% 1.0% 06/17/11 07/17/11
5 Progressive Classic Ins Co WI $99,246,563 4.92% 1.4% 06/17/11 07/17/11
6 American Family Mut Ins Co WI $68,861,927 3.42% 4.0% 04/14/11 04/14/11
7 Allstate Ins Co IL $56,249,564 2.79% 0.0% n.a. (2) n.a. (1)
8 Geico Gen Ins Co MD $54,921,583 2.72% 0.0% n.a. (1) n.a. (1)
9 Allstate Fire & Cas Ins Co IL $52,175,795 2.59% 3.0% 04/18/11 05/23/11
10 Country Pref Ins Co IL $39,749,755 1.97% 4.3% 09/19/11 09/19/11
TOP 10 $1,244,948,433 61.7% 2.5%
TOTAL 176 COMPANIES $2,016,232,340
Premium includes motorcycle, light trucks, recreational vehicles, and motor home coverage.
Rate activity is for personal automobile insurance.
† Insurer rankings based on 2010 direct premium written.
(1) Company has not filed an overall rate change in the past 12 months.
(2) As of April 1, 2006, new business is written only in Allstate Property and Casualty and Allstate Fire and Casualty
Oregon Insurance Regulator Winter 2012 9
Oregon Insurance Division
Oregon Health Plan
Fax ...................................... 503-378-4351 State Portability Option
E-mail ..................email@example.com Oregon Medical Insurance Pool
Acting Administrator .......... Louis Savage (Administered by Regence BlueCross BlueShield)
Deputy Administrator ............Berri Leslie 800-848-7280
Operations Manager ......... Gayle Woods
Market Regulation COBRA/ERISA/HIPAA questions
U.S. Department of Labor
• Administrative Services .....503-947-7222
Manager .................... Margarita Nuñez Senior Health Insurance Benefits
• Consumer Advocacy .........503-947-7984 Assistance (SHIBA)
Manager .................... Ron Fredrickson 800-722-4134
• Consumer Services ...........503-947-7205 503-947-7979
Manager ............................. Brian Light
• Producer Licensing ............503-947-7981 www.medicarestartsat65.org
Manager ....................... Jim Thompson
• Market Surveillance ...........503-947-7242 Workers’ Compensation Division
Manager ...........................Miles Ueoka
• Rates & Forms 503-947-7810
Manager ........Rhonda Saunders-Ricks Department of Consumer and Business
Financial Regulation Services website
Manager .........................Russell Latham
Assistant Manager ............. Annette Boyce Oregon government website
Margarita Nuñez ..................503-947-7222
The Oregon Insurance Regulator is published by
the Oregon Insurance Division of the Department
of Consumer and Business Services. The materials published in this newsletter are in
P.O. Box 14480 the public domain and may be reprinted without
Salem, OR 97309-0405 permission. In compliance with the Americans with
Disabilities Act (ADA), this publication is available in
Insurance Division Acting Administrator:
alternative formats. Call 503-947-7980.
Editors: Cheryl Martinis and Mark Peterson
Design: Shonnie Emerson
Oregon Insurance Regulator Winter 2012 10