Considering a private plan?

The Oregon PFMLI Program allows for alternate plan options for businesses to consider in meeting their obligations under the law. To help ensure an optimal experience for employees, businesses must choose between the state-run plan, or a private plan for their Oregon Paid Family and Medical Leave (OR PFML) coverage. If your business is considering a private plan, now is the time to explore your options. See below for more information to assist you in meeting your obligations as an Oregon employer.

What is Guardian doing?

Guardian will be offering a fully insured private plan option for OR PFML coverage, effective September 3, 2023.

You can count on:

  • Dedicated support to file a private plan exemption with the state.

  • Assistance with adjusting Short Term Disability (STD) and Long Term Disability (LTD) plan designs to integrate with a PFML plan.

  • A single point-of-contact for disability and/or paid leave claims inquiries.

  • Experienced claims management by tenured professionals, including safe and effective return to work support.

  • Updates on new regulations and ongoing guidance to keep you compliant.


The state of Oregon under the Employment Department is currently developing its PFML regulations, including specifics on how its program will be implemented.  We are actively collaborating with the state of Oregon, monitoring all developments as they become available. We help keep our customers and brokers informed every step of the way. 

Guardian can help you manage it all

Effective employee leave management is key to ensuring your business remains compliant with state laws, helping you avoid costly fines.

Guardian has provided employers with statutory disability plans for more than a decade, taking a consultative approach to bring resources together for successful PFML plan implementation and management, no matter the level of complexity. Our management of PFML plans help ensure that any Human Resources team can meet the challenge of efficiently managing employee leaves while easing administrative burden and enhancing compliance. Our plans are fully insured, state-approved, and backed by digital capabilities designed to help make administration easier.

Further, our Guardian absence management solutions can help reduce the administrative burden and enhance compliance with the integrated management of STD and LTD benefits, state and federal family medical leaves, and company leaves. Available to companies with 50 or more employees, employers can choose from a variety of plans and service options, including ADA support.

To learn more about Guardian leave management services or reach out to your Guardian group sales consultant or broker.

Our plans are fully insured, state-compliant, and backed by digital capabilities designed to help make administration easier.


The State of Oregon Employment Department is currently developing its PFML regulations, including specifics on how its program will be implemented. Leave and wage replacement benefits available to eligible Oregon workers is currently scheduled to commence on September 3, 2023. All terms of coverage, including benefits, eligibility, coverage limitations and exclusions under Guardian’s Oregon Paid Family and Medical Leave plan (OR PFML) will comply with OR PFML law and regulation. Any optional riders and/or features which may be available may incur additional costs. Plan documents are the final arbiter of coverage. If there is a discrepancy between this document and the Certificate/Group Policy issued by The Guardian Life Insurance Company of America, the Group Policy will govern.

Group insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

* Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agent and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof. Does not provide tax, legal, or accounting advice. Consult your tax, legal, or account professional regarding your individual situation.

Guardian Absence SolutionsSM is a service mark of The Guardian Life Insurance Company of America.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America.


The State of Oregon Employment Department is currently developing its PFML regulations, including specifics on how its program will be implemented. Leave and wage replacement benefits available to eligible Oregon workers is currently scheduled to commence on September 3, 2023. All terms of coverage, including benefits, eligibility, coverage limitations and exclusions under Guardian’s Oregon Paid Family and Medical Leave plan (OR PFML) will comply with OR PFML law and regulation. Any optional riders and/or features which may be available may incur additional costs. Plan documents are the final arbiter of coverage. If there is a discrepancy between this document and the Certificate/Group Policy issued by The Guardian Life Insurance Company of America, the Group Policy will govern.

Group insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

* Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agent and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof. Does not provide tax, legal, or accounting advice. Consult your tax, legal, or account professional regarding your individual situation.

Guardian Absence SolutionsSM is a service mark of The Guardian Life Insurance Company of America.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America.