Member Benefits

The value of your membership gives you far more in benefits and services than you pay in dues. This value will help you earn more through education, networking, and connecting while reducing your risk and liability.

Even if you have never used an Association benefit or service, you have saved thousands of dollars in potentially lost income thanks to OAR. As an example, the 2012 defeat of transfer taxes through Measure 79 and prevention of efforts to eliminate the mortgage interest deduction in Oregon were due to work by OAR, protecting you from lost sales.

Association-sponsored education and designation courses earn you credits toward your continuing education requirements or REALTOR® professional designation, keep you abreast of current real estate issues and increase your earning power.

Questions answered on the Legal Hotline or during risk management seminars save you untold dollars in legal fees. Risk management tools like the Oregon Property Buyer & Seller Advisories reduce your legal risk during sales transactions.

See below for more detail on what you get for your dues dollars  or view OAR Member Brochure.

The OREGON REALTORS® Association Health PlanRead More

We have paved the way for Oregon REALTORS® brokerages and their employees to finally obtain affordable group health coverage.  Please note this is a GROUP health plan, not individual coverage. As a result, there are eligibility criteria required by the state that we must follow in order to provide insurance to the Oregon REALTORS®.

Click the links below for information on copays, deductibles and plan options.

Oregon REALTORS® Health Plan Toolkit

Oregon REALTORS® Dental/Vision Enrollment Booklet

Following the 2018 launch of a health insurance survey by the National Association of REALTORS® and substantial work and effort, Oregon REALTORS® and Johnson Benefits Group are thrilled to announce that we will be offering Oregon REALTORS®, along with company employees access to affordable health insurance through our partner, Providence Health Plans.

The team is proud to have broken through the barriers to obtain affordable health insurance which has plagued the real estate industry for many years.  The NAR survey revealed that many REALTORS® that have insurance are covered through a spouse or the individual market. However, there is also a significant group unable to purchase insurance at all through any channel due to the high premium cost. 

Working together Oregon REALTORS®, Providence Health Plan and Johnson Benefits Group will be taking advantage of the purchasing power of the full Oregon REALTORS®  membership, brokerage staff and family members.  The size of the REALTORS® will ensure you receive excellent benefits at a lower cost.

In the next few weeks, please keep an eye out for additional information regarding the timeline for available plans and next steps for you and your brokerages.  We are in the process of setting up the administrative framework for ease of billing and enrollment, and we anticipate accessibility for all eligible brokerages in the first quarter of 2021. 

2020 Eligibility Guidelines for the Oregon REALTORS® Association Health Plan

Group Eligibility

  • Groups must maintain membership in good standing with Oregon REALTORS®.
  • Plans are available to groups of 2 or more in combination of REALTORS® and W-2 employees with a minimum of 2 enrolled.
  • Family Business (when all eligible employees are family members). There must be at least one bonafide/payrolled statutory employee enrolling (not including the spouse of the realtor) – most recent Oregon Department of Revenue - Form 132 (State of Oregon payroll tax form) will be required to substantiate employee status at the time of quoting.
  • Groups of 2-9 enrolled may offer two (2) Medical plans with different deductibles. The same riders must be selected for both Medical plans. No enrollment minimum for each plan.
  • Groups of 10 or more enrolled may offer up to three (3) Medical plans. The same riders must be selected for all Medical plans. No enrollment minimum for each plan.

Group Requirements

  • Employer must contribute at least 50% of the W-2 employee only premium for medical. There is no requirement for contribution for REALTOR® or dependent premium.
  • Employers can set eligibility between 17.5 and 30 hours per week for W-2 employees. There is an assumption that REALTOR® enrollees work full time.
  • 75% participation is required for the Medical plan. Eligible employees must enroll on the plan unless they are waiving to other qualified coverage. All waivers must be verified on the waiver form. Final rates are determined by final enrollment. If enrollment varies from quoted enrollment, rates will change.
  • Qualified coverage includes other Group Coverage, Medicare, VA/Tricare and Indian Health Services.
  • Employers can set the following probationary waiting periods, first of the month following date of hire, 30 or 60 days.
  • Domestic Partner coverage: Oregon REALTORS® Health Plan covers registered same-gender domestic partners as required by law and opposite-gender domestic partners.
  • Employee-only contracts are not available. Oregon REALTORS® Health Plans does not offer contracts which exclude children from eligibility.
  • Dependent children are eligible for coverage up to age 26.
  • Authorization for ACH must be received by the 10th of the month prior to the month of coverage. For example, to pay July premiums authorization for ACH must be received no later than June 10th.
  • Payment will be processed on or around the 20th of each month for the following month’s premiums.

Other Provisions

  • All groups will be considered primary over Medicare.
  • All groups are subject to COBRA. COBRA Administration is available through QVI Risk Solutions (QVI) and will be administered by the individual groups.

Frequently Asked Questions

 

How do I know if my firm/agency is eligible?

Each covered firm must have at least one common law employee and either a W2 employee or realtor for a minimum of two enrolling, and be in good standing with the Oregon REALTORS®A common law employee cannot be the owner or spouse of an owner, retired or former employee, independent contractor, leased, seasonal, or temporary employee

If a firm/agency meets the above criteria, common law employees, W2 employees, realtors (independent contractors), owners, and domestic partners are eligible for this association health plan.  Additionally, a group Medicare plan is available to retirees of the Oregon REALTORS®

 

How many plans can I offer?

Firms can have two plans if they have 2-9 enrolling eligible, and up to three plans for firms with 10 or more enrolling eligible employees/realtors.

 

What is the enrollment submission deadline?

All materials must be submitted to the Oregon REALTORS® preferred agent/agency by the 15th of the month prior to the requested effective date.  If all materials are not received by the 15th, the effective date will be pushed out one month and rates are subject to change.

 

How does the participation requirement and waivers work?

Seventy-five percent participation is required for eligible employees/realtors (if realtor class is being offered coverage) for each firm within the association.  Valid waivers do not count against participation and include other group coverage, Medicare, VA/Tricare and Indian Health Services. Waivers must include the name of the waiving employee/realtor on the front of the form, and the waiver section (4) on the back of the form (signature and date required).

 

What if someone leaves the firm, does that affect participation?

Participation is audited at time of enrollment and renewal only.  Mid-year terminated enrollees will be offered COBRA and are entitled to 18-36 months of coverage, dependent upon their qualifying event.

 

Does this coverage extend to independent contractors (1099)?

Yes, this has been designed to cover both common law employees and independent contractors for affordable access to an association health plan (group coverage).

 

Does each person pay his or her own premium?

Firms are required to pay a minimum of 50% contribution for W2/enrolled common law employees.  For realtors/independent contractors (1099) there is no firm contribution requirement.  QVI Risk Solutions has been contracted to collect premiums from both the firms and enrolling realtors/contracted enrollees.  This is through ACH transfer for realtors, and a firm ACH/EFT transfer for the W2/common law employees.  The cost is $6.50 per person per month.

 

What effective date can a firm have and what is needed to enroll?

Each firm can have their own effective date (first of the month) and the association health plan is offered with effective dates of 11/1/2020 and after.  A complete employee/realtor/dependent covered census is needed to supply a quote. Final rates are based upon final enrollment.  A completed Master Contract Application and employee/realtor enrollment forms/waivers are needed to process enrollment.   

 

Can you send me the rate sheet?

Rates are determined by the dynamics of the individual firms seeking a group quote.  A census is needed that includes name, date of birth, gender and zip code for all covered eligible enrollees (common law employees, independent contractors, W2 employees) and indicating whether they are enrolling or not.  Final rates are based on the final enrolling census.

 

What if I am retired, is there coverage options for me?

A group Medicare option is available for all members of the Oregon REALTORS® that are considered retired. Please contact Dave Johnson for more details.

 

What is the probationary period and hours worked requirement?

 

Each firm can determine their probationary period with one of the following:  First of the month following date of hire, 30 or 60 days.  Hours worked can be set by each firm between 17.5 and 30 hours per week (with the assumption that realtors work on average a full time schedule as set per each firm).

 

Ready to Sign Up? Here's who to call: 

Portland, Salem
Johnson Benefit Group Inc
LaPorte Insurance
Strategic Employee Benefit Services

Lebanon Area
Barker-Uerlings Insurance

 

Eugene/Springfield Area
Pacific Benefit Consultants


Medford/Grants Pass Area
Hart Insurance
Rogue Benefit Planning

 

Central Oregon
Johnson Benefit Planning
PayneWest Insurance

 

Pendleton Area
Insurance Services – The Stratton Agency

 

Coos Bay Area
 The Vigue Company

NEW! Marketing ServicesRead More

Now you can do all your property marketing from one platform in mere minutes. The Amarki (Ah-Mark- Eye) marketing platform allows brokerages to combine all things marketing to help their Realtors® connect in meaningful, innovative ways across print, social, email, and advertising. Sign up for your free account today! https://partners.amarki.com/oar/

Amarki Marketing Tri-Fold

Membership BrochureRead More

At OAR we believe our industry is successful when you get involved. We invite you to provide feedback and tell us what resources you need. We invite you to attend our events and become engaged with the Association and the resources that come with it. Ultimately we invite you to get involved and it all starts with you!

In this new digital brochure you will see the reasons to get involved and the tools available to help you be successful!

OAR Member Brochure

AdvocacyRead More

Advocacy

The Oregon Association of REALTORS® advocates before the Oregon Legislature and state regulatory agencies in order to maintain a healthy business environment for REALTORS® and to ensure the American dream of homeownership remains accessible. From the continual pursuit of improving professionalism in the real estate industry, to steadfast opposition to potentially harmful tax proposals, OAR protects the diverse interests of those Oregonians who own, sell, or purchase real property.

Grassroots Political Activities

In today's increasingly complex political environment, the axiom of strength in numbers has never been more apt. Through the Key Constituent program, REALTOR® Day at the Capitol, and Calls for Action, Oregon REALTORS® have the opportunity to directly interact with and convey key messages to elected officials in a unified voice for the real estate industry.

REALTOR® Political Action Committee (RPAC)

Working in conjunction with the National Association of REALTORS® and your local boards and associations, Oregon REALTORS® Political Action Committee assists in raising political action funds for use at the national, state, and local government levels. At the state level, your RPAC Trustees also select and, through your contributions, financially support pro-REALTOR® candidates who have a demonstrated desire to foster a healthy business environment, protect private property rights, and avoid unintended harmful effects on the real estate industry.

Contributing to RPAC is the best investment in a healthy business environment you can make. And with Oregon providing a unique $50 tax credit for individual state returns ($100 for joint returns), investing in RPAC offers multiple returns on your investment!

Issues Mobilization Fund

This is a member benefit maintained by the Association for the purpose of addressing issues of statewide significance. Members are the first to bring local issues to the attention of the Association. Dealing with issues early and aggressively at the local level often means that those same issues do not reappear in other local jurisdictions or at the state level. Application is through local associations/boards.

LegalRead More

Risk Management Tools

Risk Management Toolkit
The Risk Management Toolkit is a comprehensive reference guide for real estate professionals for all information relating to the marketing/advertising, writing, and working of transactions in the market.

Oregon Buyer & Seller Advisory Toolkits
The Oregon Buyer & Seller Advisory Toolkits reduce your business risk by helping your clients better understand the limits of your expertise and the scope of your relationship. You're encouraged to share these OAR-produced documents with your clients as you see fit.

Legal Hotline & Archives
The Legal Hotline is an annual subscription service available at a minimal cost to members only. This service provides direct access to attorneys able to provide information on a broad range of real estate issues including disclosure, license law, contracts, offer and acceptance, short sales, escrow and more.

The Association also publishes legal and risk management articles written by our attorneys to keep members abreast of current issues affecting the real estate industry. They are archived here on the website.

Professional Standards

The REALTOR® Code of Ethics is the cornerstone of REALTOR® membership. The Oregon Association of REALTORS® provides ethics training to meet the requirements of the National Association of REALTORS®. Our advanced Professional Standards Academy (offered annually) and Code enforcement assistance further enhance REALTOR® professionalism for members.

Legal Action Fund

The Oregon Association of REALTORS® maintains a Legal Action Fund to benefit members in matters affecting REALTORS® as a class or the real estate industry as a whole. Participation has included preparation and filing of legal briefs such as Amicus Curiae (friend of the court), intervention or other participation during administrative proceedings, and assistance in payment of fees or costs associated with a legal appeal provided the proceeding has statewide significance.

All requests are reviewed and approved by the Legal Action and Executive Committees and use of the Legal Action Fund is based on set criteria. Application is made through local associations/boards.

EducationRead More

The Oregon GRI

OAR has resurected the Graduate REALTOR® Institute (GRI) designation. Earning your GRI designation is a way to stand out to prospective homebuyers and sellers as a REALTOR® who has gained in-depth knowledge on technical subjects as well as the fundamentals of real estate. In today's competitive business environment, it often takes more than just motivation and initiative to succeed. You can read more about the GRI program, courses, and instructors here.

REALTOR® Designations

Earning a designation can have a direct impact on your income! OAR offers a variety of NAR designations throughout the year in various locations around the State based on market needs.

Online Education

The Association also offers online CE courses through its partnership with The CE Shop to help you complete your continuing education requirements conveniently from your home or office.

Webinars

OAR offers a monthly webinar program with timely, quality information affecting the real estate industry. Past topics have included: Flood Insurance Program Changes, 1031 Exchanges, OREF Forms, Real Estate Taxes, and Foreclosures. Registration fees have been kept low and are per location, making it very affordable for an office or group of members to all learn together. As a OAR member, you also have access to our Webinar Library of over 50 past recorded webinars. 

Annual Convention

Don't miss out on the yearly convention with a great deal of education offered all in one place. It's a terrific opportunity to learn, network, and connect with colleagues while improving your knowledge base and professionalism.

E&O InsuranceRead More

 

As a leader in the insurance industry for nearly 60 years and a long-time partner of the Oregon Association of REALTORS®, Pearl Insurance is proud to share with you our quality Errors & Omissions Insurance which offers valuable coverage that's better and more affordable than ever before.

Get a Quote
Receive a quote and choose to bind coverage or renew your policy. As a Pearl Insurance insured, you'll gain access to our quality Real Estate Errors & Omissions Insurance as well as:

  • Extensive risk management tools and services
  • Superior customer service
  • Proactive claims handling and assistance by the experienced XL claims staff
  • Expert defense against a claim from Oregon's dedicated panel counsel

Get a Premium Estimate
Not ready for a quote? No problem. Simply take a couple of minutes to complete our premium estimate form. Our sales representatives will use this information to get a quote for you and will contact you within 24 hours.

Mediation & Arbitration ServicesRead More

Alternative Dispute Resolution Service offers REALTOR® members, their customers, and clients mediation and arbitration services for parties involved in a real estate transaction conflict. Call 800-423-1216 for information.

Portland State University - Center for Real Estate QuarterlyRead More

PSU's Center for Real Estate Quarterly publication is a snapshot of the commercial real estate and housing markets in the region. Each issue has several feature articles about real estate and development in the Portland area as well as an analysis of the trends in the commercial and residential markets. We appreciate the generous support of the Quarterly by the Oregon Association of Realtors (OAR) and the Regional Multiple Listing Service (RMLS).

2019

Center for Real Estate Quarterly Report, Winter 2019 (full 32-page report)

2018

ResourcesRead More

OAR E-News

This is a monthly newsletter containing timely information and news which is emailed to all members mid-month. Past issues are archived here.

Website

The OAR website provides links to valuable information on the REALTOR® Code of EthicsBuyer/Seller Advisoriesreal estate news, and education offerings – just to name a few!

Center for Real Estate Quarterly

A past endowment from the Oregon Association of REALTORS® helps to fund this publication from the Portland State University School of Urban Studies and Planning – Center for Real Estate. Research covers commercial, residential, and industrial real estate market conditions from expert sources. Past issues are archived here.

Key Committees

Committees and task forces work continually on behalf of the membership to improve business understanding and community relations and to provide programs and services that will benefit the industry and its members.

Press

Local and statewide press initiatives include newspaper articles, press releases, special event sponsorship, etc. designed to communicate the professional service that Oregon REALTORS® provide, the importance of real estate to the Oregon economy, the ethical industry standards upheld by REALTORS®, and the positive impact Oregon REALTORS® are making in local communities.

HOME Foundation

This is the REALTOR® charity which helps communities across the State create affordable housing opportunities and provides goodwill on behalf of our members.

Realtors Property Resource® (RPR®)Read More

Realtors Property Resource® (RPR), one of the most exciting benefits included in your NAR membership, offers exclusive access to the most powerful data platform available to members of the National Association of REALTORS® family, all at no additional cost. Easily accessed through desktop and mobile devices, RPR’s database of more than 160 million U.S. properties is the largest and most far reaching real estate portal of its kind, with data sets ranging from demographics and school attendance to tax and mortgage history; listing, sales, and valuations; heat maps, flood zones, and more. As a powerful marketing tool, RPR allows REALTORS® to create custom branded reports that can be printed, emailed or texted from anywhere you are. Learn as you go by visiting RPR’s online learning center or enroll in an upcoming workshop. Ready to register? Visit narrpr.com. Access RPR data anytime, anywhere by downloading RPR mobile.

SafetyRead More

 

Mobile Safety App

OAR has entered into an agreement with Kleard (pronounced cleared) to provide the best real estate safety and productivity technology available to our members at a heavily discounted price of $2.99/month per member. The app is available on the Apple App Store and Google Play Store. You can learn more here: www.kleard.com/oar. Some benefits of Kleard include:

  • On-the-spot verifications for safer showings and open houses with safety alerts built-in
  • Open house mode with verified sign ins
  • CRM with mail-merged email/SMS follow-up tools
  • On-Demand marketplace for open houses and showings that allows agents within a brokerage to share open house and showing opportunities in an innovative way. LEARN MORE ABOUT KLEARD!

SAFETY FORMS

Below are a variety of pre-designed safety forms that you can custimize and use in your office.

NAR SAFETY RESOURCES

As a REALTOR®, it’s important you have a personal safety protocol in place that you use every day with every client, like when meeting new clients, showing properties or sharing information online. There are a variety of tools you can add to your personal safety protocol, such as the smartphone apps and safety products listed on NAR's website here.

Member DirectoryRead More

Do you need to make a referral across the State but don't know someone in that market? Do you remember meeting someone from a particular office in your area but don't recall their name? You're in luck! As part of your membership, you can access the complete directory of nearly 16,000 members in the Oregon databaseWatch this short video to find out how to access this information at your fingertips.

Columbia Sportswear DiscountRead More

Every Wednesday - Columbia Sportswear EE store invitation

Download your NAR Membership Card for these benefits and so much more! 

NAR Membership Card

Office Supplies & Printing NeedsRead More

Office Depot offers OAR members a great discount program on office supplies, furniture, and printing needs for your business.

The Member Discount Program allows you to shop online or at any one of Office Depot's retail locations and receive:

  • Steep discounts on a core list of 800+ items
  • Huge savings at the Copy & Print Center
  • 10% off on most catalog items
  • FREE, next day delivery on most in-stock products (depending on location)
  • Printable discount cards for in-store use

 

REALTOR® StoreRead More

Use Promotion Code: OAR2