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Alfalfa Considerations for Prevented Plant Insurance

 

Alfalfa Considerations for Prevented Plant Insurance

Some corn growers are considering taking the prevented plant insurance option for wet corn fields and seeding alfalfa for feed or the green manure value. Use the following Q & A to help you understand your options.

Q: Can I seed alfalfa?

A: Yes, you can seed alfalfa after taking prevented plant insurance for your corn crop.

Q: What is the earliest date I can plant, and what restrictions are there?

A: If you have a prevented planting claim on corn for 2014, you can plant alfalfa after July 1, 2014. You should follow normal good farming practices and seed the alfalfa as if there had been no prevented planting situation.

Q: Can I clip the field to control weeds even if I don’t harvest the crop?

A: Yes, if it is a normal good farming practice to clip the acreage to control weeds and leave the clippings on the field, the newly seeded alfalfa can be clipped. There will be no negative impact to the crop insurance prevented planting indemnity as long as no value is received; i.e. the clippings must be left on the field.

Q: Is there any provision for emergency feed harvest or grazing? What conditions need to be met?

A: There are no known provisions for emergency feed harvesting or grazing for a crop seeded after a prevented planting claim in 2014.

Q: Is alfalfa an insurable crop after corn prevented plant is already taken?

A: The acreage seeded after July 1, 2014 will be insurable on a forage production policy after October 16, 2015 if an application is submitted by September 30, 2015 and a Forage Production Underwriting Report indicating an adequate stand is submitted by October 16, 2015.

Fall forage seeding is not insurable in Illinois, Iowa, Minnesota, South Dakota, North Dakota or Wisconsin. Forage production is insurable in most counties in Iowa, Minnesota, Wisconsin, South Dakota, and North Dakota. Forage production is only available in Jo Daviess and Stephenson counties in Illinois.

Q: What is the earliest date I can harvest?

A: The alfalfa cannot be harvested or grazed prior to November 1, 2014, if you have submitted a prevented planting claim and expect to receive a full prevented planting indemnity from the crop insurance policy.

Q: What are the penalties for harvesting alfalfa before November 1?

A: If you submit a prevented planting claim, plant the alfalfa after the late planting period for corn, which is 25 days after the final planting date, and harvest the alfalfa before November 1, 2014, the prevented planting indemnity will be reduced by 65%.

For example:

Actual Production History
180 bu/acre
 
Crop Insurance Policy
80% coverage elected
 
Minimum Revenue Guarantee
180 x 80% x $4.62 = $665.28
 
Prevented Planting Indemnity
This would be 60% of the guarantee
$665.28 x 60% = $399.17

If you harvest the alfalfa before November 1, 2014, you would receive 35% of the prevented planting indemnity.

$399.17 x 35% = $139.71

There is another penalty for harvesting the alfalfa before November 1, 2014. The yield for the prevented planting corn for Actual Production History (APH) purposes would be 60% of the approved yield.

For example:

Approved Yield
180 bu/acre
 
APH Yield for 2014
180 x 60% = 108 bu/acre

This could lower the approved yield for 2015 to 173 bu/acre.

If the alfalfa is not harvested prior to November 1, 2014, there is no Actual Production History penalty.

 

Contact your business unit insurance representative to answer further questions regarding prevented plant considerations.

Information provided by Samuel Wise, PHI Insurance Services.

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