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---
type: "Bill"
title: "Relating to an insurer's treatment of claims under a disability insurance policy; and prescribing an effective date."
description: "Requires insurer that issues or renews disability<b> income</b> insurance policy in this state to establish, maintain and follow certain procedures with respect to claims, determinations of claims that are adverse to claimant, appeals of determinations, communications with claimant and related operations."
jurisdiction: "us/states/or"
legislature: "Oregon Legislative Assembly"
session: "2021 Regular Session"
identifier: "SB 46"
citation: "Oregon SB 46 (2021 Regular Session)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 5
action_count: 19
vote_count: 4
first_action: "2021-01-11T17:28:22+00:00"
last_action: "2021-09-25T15:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/4476e6d8-3020-41de-af01-a133f415c16b"
source_url: "https://olis.oregonlegislature.gov/liz/2021R1/Measures/Overview/SB46"
source_hash: "7624ecc29fffca5598f77ba771867cfcda5fccd1355bfb16596e6bbbe37e4bcb"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-or"]
---
# Oregon SB 46 (2021 Regular Session) — Relating to an insurer's treatment of claims under a disability insurance policy; and prescribing an effective date.
Requires insurer that issues or renews disability<b> income</b> insurance policy in this state to establish, maintain and follow certain procedures with respect to claims, determinations of claims that are adverse to claimant, appeals of determinations, communications with claimant and related operations.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **Introduced** (filed) — [source](https://olis.oregonlegislature.gov/liz/2021R1/Downloads/MeasureDocument/SB46/Introduced)
2. **Senate Amendments to Introduced** (filed) — [source](https://olis.oregonlegislature.gov/liz/2021R1/Downloads/MeasureDocument/SB46/Senate%20Amendments%20to%20Introduced)
3. **A-Engrossed** (committee substitute) — [source](https://olis.oregonlegislature.gov/liz/2021R1/Downloads/MeasureDocument/SB46/A-Engrossed)
4. **SLB Amendment -2** (committee substitute) — [source](https://olis.oregonlegislature.gov/liz/2021R1/Downloads/ProposedAmendment/18439)
5. **Enrolled** (enrolled) — [source](https://olis.oregonlegislature.gov/liz/2021R1/Downloads/MeasureDocument/SB46/Enrolled)
## Votes
- Heard and Reported Out — **110** (pass) · lower
- Third reading. Carried by Riley. Passed. — **272** (pass) · upper
- Third reading. Carried by Post. Passed. — **520** (pass) · lower
- Heard and Reported Out with Amendments — **40** (pass) · upper
## Timeline
The legislative action history — every referral, reading, and vote.
- **2021-01-11T17:28:22+00:00** Introduction and first reading. Referred to President's desk. `introduction, reading-1, referral-committee`
- **2021-01-19T19:35:42+00:00** Referred to Labor and Business. `referral-committee`
- **2021-02-25T16:01:00+00:00** Public Hearing held.
- **2021-03-09T16:02:00+00:00** Public Hearing and Work Session held.
- **2021-03-26T22:08:48+00:00** Recommendation: Do pass with amendments. (Printed A-Eng.) `committee-passage-favorable`
- **2021-03-31T16:45:55+00:00** Second reading. `reading-2`
- **2021-04-01T18:24:26+00:00** Third reading. Carried by Riley. Passed. `passage, reading-3`
- **2021-04-02T02:20:26+00:00** First reading. Referred to Speaker's desk. `introduction, reading-1, referral-committee`
- **2021-04-08T03:21:06+00:00** Referred to Business and Labor. `referral-committee`
- **2021-04-28T22:16:00+00:00** Public Hearing held.
- **2021-05-05T22:17:00+00:00** Work Session held.
- **2021-05-10T23:33:44+00:00** Recommendation: Do pass. `committee-passage-favorable`
- **2021-05-11T18:40:04+00:00** Second reading. `reading-2`
- **2021-05-12T19:08:46+00:00** Third reading. Carried by Post. Passed. `passage, reading-3`
- **2021-05-13T19:20:10+00:00** President signed. `passage`
- **2021-05-17T18:03:11+00:00** Speaker signed. `passage`
- **2021-05-21T15:38:00+00:00** Governor signed. `executive-signature`
- **2021-06-10T18:23:55+00:00** Chapter 73, 2021 Laws.
- **2021-09-25T15:00:00+00:00** Effective date, September 25, 2021.
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/4476e6d8-3020-41de-af01-a133f415c16b`. Confidence: reported (aggregated from official Oregon legislature records).