Prevented Planting & 1st Crop/2nd Crop Situations
(a) First Insured Crop – With respect to a single crop year and any specific crop acreage, the first instance that an agricultural commodity is planted for harvest or prevented from being planted and is insured under the authority of the Act. For example, if winter wheat that is not insured is planted on acreage that is later planted to soybeans that are insured, the first insured crop would be soybeans. If the winter wheat was insured, it would be the first insured crop.
(b) Second Crop – With respect to a single crop year, the next occurrence of planting any agricultural commodity for harvest following a first insured crop on the same acreage. The second crop may be the same or a different agricultural commodity as the first insured crop, except the term does not include a replanted crop. A cover crop, planted after a first insured crop (for PP after the FPD for the PP crop (LPP, if applicable)) and planted for the purpose of haying, grazing, or otherwise harvesting in any manner; or that is hayed or grazed prior to November 1 (which generally would be when crops in the area would normally be harvested), or otherwise harvested at any time, is considered a second crop. A cover crop that is covered by FSA‘s noninsured crop disaster assistance program (NAP) or receives other USDA benefits associated with forage crops will be considered as planted for the purpose of haying, grazing, or otherwise harvesting. A crop meeting the conditions stated herein will be considered to be a second crop regardless of whether or not it is insured. Notwithstanding the references to haying and grazing as harvesting as stated within the Basic Provisions and above, for the purpose of determining the end of the insurance period, harvest of the crop will be as defined in the applicable crop provisions.
If the insured is prevented from planting the first insured crop in the crop year the following applies:
- Not plant a second crop on the same acreage for harvest in the same crop year and collect 100 percent of the PP payment for the acreage, provided no other party plants a second crop on this acreage. Refer to subsection 5 B below.
- Plant a second crop on the same acreage for harvest in the same crop year. (A cover crop or volunteer crop may be considered a second crop. Refer to subsection 4 K and 5 A (1) (b) above.) (For PP, the second crop does not have to be insured or suffer a loss before the PP payment for the first insured crop (PP acreage) is reduced to 35%. Also, if a second crop is planted by someone else, the PP payment will be reduced as stated in subsection B below.) When a second crop is planted and the insured does not qualify for double cropping (refer to subsection C below), the following will apply:
- The insured will receive 100 percent of an indemnity that may be due for the second crop and 35 percent of the PP payment for the acreage of the first insured crop provided the second crop is not planted on or before the FPD or during the LPP (as applicable) for the first insured crop.
- The insured is responsible for a premium for the first insured crop of PP acreage that is commensurate with the amount of the PP payment paid for the first insured crop; i.e., 35%.
- The insured is responsible for paying the full premium for the second crop acreage, if the second crop is an insured crop. If second crop planted acreage follows first insured crop of PP acreage, it must be reported as insured acreage if it meets all insurability requirements for the crop. When PP acreage is the first insured crop, the insured does not have the option to not insure second crop acreage that is insurable if there is an active policy in the county for the crop.
- Subsequent crops planted will not affect the indemnity of second crop acreage.
This information is intended to provide you with the some of the finer points concerning planting second crops after a prevented planted first crop within the MPCI policy provisions for 2011. This material is for educational purposes and it does not cover every possible situation that may arise during the crop year. It is also not an exhaustive list of all the changes and updates that have occurred nor does it cover all of the rules & procedures associated with prevented planting coverage. It is the duty of the insured to prove their claim to the Approved Insurance Provider so record keeping and documentation are very important. Please make sure that you take the time to read the policy provisions and applicable handbooks carefully. If you have questions or need additional information please feel free to contact your Rain and Hail LLC. Claims Representative.
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PP & 1st Crop/2nd Crop Timeline
1st Insured Crop Timely Planting Period
Insured is prevented from planting the 1st insured crop & will not plant in the LPP so they file a pp claim.
Late Planting Period
If the grower plants the 1st insured crop or another crop for harvest during the LPP then there is no PP payment.
If the grower plants a 2nd crop after the late planting period of the 1st insured crop then their PP payment will be limited to 35%. The insured will receive a yield equal to 60% of the approved yield for the first insured crop PP acreage to calculate the insured’s average yield for subsequent crop years on this acreage.