Prevented planting wet field

Recent flooding has forced many crop producers to reexamine their timeline for planting this spring. Planting a crop at peak planting times provides the best chance for optimum yields, but what happens when tillage and planting are not able to be accomplished as early as desired?

An Iowa State University Extension news release answers frequently asked questions regarding prevented planting options as Iowa farmers begin the 2019 growing season.

When is prevented planting available?

Prevented planting must be due to an insured cause of loss that is general in the surrounding area and that prevents other producers from planting acreage with similar characteristics. Failure to plant when other producers in the area were planting will result in denial of the prevented planting claim.

There’s also a 20/20 Rule — a minimum of 20 acres or 20% of the unit must be affected.

Prevented planting claims must be filed with your crop insurance agent by June 28 for corn and July 13 for soybeans. Prevented planting acres must be reported on the FSA Form 578 acreage report. The deadline to file in Iowa is July 15.

How much do I get paid for prevented planting?

When spring conditions prevent a crop from being planted, payment equals 55% of the initial revenue guarantee on corn and 60% on soybeans. Note that payments for prevented planting use the projected price (new crop futures price average in February).

How are eligible acres for prevented planting determined?

The insurance company considers each of the insured’s crops in each county. They look at the maximum number of acres reported for insurance and certified in any of the four most recent crop years. The acres must have been planted in one of the last three crop years.

What happens if you are prevented from planting and there are not enough eligible acres for the crop being claimed?

When the insured runs out of acreage eligibility for one crop, the remaining prevented planting acres will be “rolled” to another crop, such as corn to soybeans.

What happens to my APH — actual production history — if I take prevented planting?

The insured farmer who receives prevented planting on a crop does not have to report the actual yield for the year. Generally, prevented planting will not impact the APH yield in future years, unless a second crop is planted on prevented planting acres.

What will crop insurance adjusters need to do for prevented planting claims?

Visually inspect all prevented planting acres to determine:

  • Acres are within 5% of what was on the acreage report.
  • Whether the acres are left idle, or whether a cover crop or second crop has been planted.
  • What the cause of loss was, and if it is general to the area.
  • Number of eligible acres.