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Prevented Plant Q & A
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GreenStone Crop Insurance Specialists note important information and dates regarding prevented plant.


Prevented Plant Questions and Answers

What qualifies prevented planting?


Prevented planting (PP) is a failure to plant the insured crop with the proper equipment by the final planting date. Prevented planting must be due to an insurable cause of loss general to the area that also prevents others in the area from planting. Final planting dates (FPD) and late planting periods (LPP) vary by crop and by area. Producers should contact their GreenStone crop insurance agent for more information.

What is the late plant period?


The late plant period (LPP) is the time you have to plant a crop following the final plant date of a crop. The time period is 25 days following the final plant date. During this time, you may make the decision to continue planting the crop, but you will also reduce your coverage level on the late planted acreage by one percent per day. Once the LPP has expired, and you still wish to plant that crop, you then can insure your crop based on the PP guarantee.

What does your coverage attach?


Producers who had an insurance policy the prior year are eligible for prevented planting payments if the insured cause of loss occurred after the sales closing date for the previous crop year, provided insurance was in force continuously since that date, and all other prevented planting requirements are met. New policy holders are eligible for prevented planting payments if the insured cause of loss occurred after the sales closing date for the current crop year, and all other prevented planting requirements are met. Premium for any prevented acreage is the same as planted acreage.

What are the basic requirements to qualify for an indemnity?


  • Sufficient crop acreage and ability to show planting would have occurred in a normal year.
  • 20 acres or 20 percent of the unit is prevented from planting, whichever is less.
  • The acreage that was prevented from being planted constitutes at least 20 acres or 20 percent of the total insurable acreage within any one of the four most recent crop years.
  • Acreage must be timely and accurately reported on your acreage report by July 15, 2011.
  • A PP notice of oss must also be reported within 72 hours following the end of the LPP or the FPD if no LPP is applicable.

What documentation is needed?


Good documentation is key to receiving prevented planting payments. Each situation differs therefore producers should work with their GreenStone agent and their insurance provider adjuster to determine the documentation needed for their specific prevented planting claim.

How is your prevent plant indemnity calculated?


If it has been determined that eligibility exists on the crop claimed for prevent plant we will take your unit guarantee and multiply it by your PP coverage level, multiply that by the projected price (only) and multiply by the acres and share of the crop. New for 2011, the Fall Harvest Price is no longer used in any PP calculation. All payments are based off of the Projected Price.

How do you report a prevented planted crop?


For crops that are prevented from being planted, notice must be provided to your GreenStone Crop Insurance Agent within 72 hours after the final planting date or the time the producer determines it will not be possible to plant during the applicable late planting period.

What are my choices?


  • Plant the insured crop after the late planting period.
  • Leave the acreage idle (black dirt) and receive a full prevented planting payment.
  • Plant a cover crop and receive a full prevented planting payment (but do not hay or graze this cover crop before November 1 or otherwise harvest it at any time).
  • Plant another crop (second crop) after the late planting period or hay or graze a cover crop after the end of the late planting period before November 1, or otherwise harvest it at any time, and receive a prevented planting payment equal to 35 percent of the prevented planting guarantee.
  • Planting of a second crop will require that the second crop be insured, and you do not have the option to recover the 65 percent if no loss occurs on the second crop.
  • If you do plant a second crop or hay or graze a cover crop your actual production history for the claimed prevented crop will have a 60 percent assessment of the average yield on this acreage.

 
Important Michigan Dates

May 20: Oats and Sugar Beets Final Plant Date

June 5: Corn Final Plant Date

June 15: Potatoes and Soybean Final Plant Date
(except for GRP and GRIP plans of insurance)

June 25: Dry Beans Final Plant Date
(except for GRP and GRIP plans of insurance)

 
Important Wisconsin Dates

May 15/25: Oats and Forage Seeding Final Plant Date
(varies by county)

May 25: Potatoes and Spring Wheat Final Plant Date

May 31: Corn (as grain) Final Plant Date
(except for GRP & GRIP plans of insurance)

June 5: Corn (as silage) Final Plant Date

June 10: Soybeans Final Plant Date
(except for GRP and GRIP plans of insurance)

June 15: Potatoes Final Plant Date

June 20: Sweet Corn Final Plant Date