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Forage Establishment Insurance
Forage Establishment Insurance (FEI) covers losses on eligible forage crops during the period from seeding to establishment.
Once seeded, FEI coverage remains in effect until June 20th of the year after planting.
To continue coverage after the crop is established, you must apply for Tame Hay Insurance.
- Eligibility
- Costs & Coverage
- Deadlines
- Claims
- Procedures
- Links
Eligibility
Eligible Producers
Producers who want to participate in this program must select the FEI option and insure eligible acres by declaring them on their Seeded Acreage Report (SAR). Landlords are not eligible.
To sign up for FEI, you must complete an AgriInsurance application form, be accepted by MASC for an AgriInsurance contract, and select the FEI option. Once selected, FEI coverage automatically renews each year until you deselect the FEI option or cancel the AgriInsurance contract by March 31st of that year.
Eligible Crops
Eligible spring-seeded crops include any combination of:
- alfalfa (including alfalfa seed)
- clover
- sainfoin
- perennial grasses (excluding native grasses)
- perennial ryegrass seed (with a cover crop)
Note: If you sow perennial ryegrass seed in the spring, it must be planted with a companion crop.
Eligible fall-seeded crops include (only insurable for FEI if no cover crop is used):
- alfalfa
- clover
- sainfoin
- perennial grasses (excluding native grasses)
- perennial ryegrass
Note: If you sow perennial ryegrass seed, alfalfa, sainfoin or clover in the fall, it must be planted without a companion crop.
Eligible Causes of Loss
Eligible causes of loss include:
- Natural perils: drought, excessive moisture, excessive rainfall, flood, frost, winterkill, hail, fire, excessive heat, wind (including tornado), and pests and diseases that cannot be controlled by management
- Big game: bear, deer, elk, moose, and wood bison
- Waterfowl: ducks, geese, and sandhill cranes
Restrictions
To qualify for FEI, you must plant five or more acres of forage crops in that crop year.
Costs & Coverage
Premiums for Forage Establishment Insurance are paid {producer_share}% by the producer, {federal_share}% by the Government of Canada, and {provincial_share}% by the Province of Manitoba, as part of the Federal-Provincial Growing Forward Framework agreement.
You may insure forage crops during the establishment period for either ${coverage1} or ${coverage2} per acre.
Deadlines
| Date | Deadline |
|---|---|
| March 31st |
|
| June 25th |
|
| July 25th - August 15th |
|
| August 10th - August 31st |
|
| September 1st - September 5th |
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Claims
Outline of Indemnity for Spring Seeded Forage Crops:
- if you destroy but do not reseed to an eligible forage establishment crop before June 25th of the same year, you will receive 50% of coverage, but if the inability to reseed is due to excess moisture, you will receive 100% of coverage. This crop is no longer insured, and you are not entitled to any further indemnity
- if you destroy and reseed to an eligible forage crop before June 25th of the same year, you will receive 50% of coverage, with the remaining 50% of coverage still in effect on the reseeded crop for the duration of the crop year (or you have received 100% of the FEI indemnity, whichever occurs first)
- You will receive a 50% indemnity if the spring seeded forage crops are overseeded by June 25th, and your coverage will remain in effect
- if you overseed crops after June 25th of the same crop year, you will receive 50% of coverage, but the crop is no longer insured, and you are not entitled to any further indemnity
- if you destroy the damaged crop after June 25th, you are eligible for 100% of coverage (less any indemnity previously paid on this crop)
- if you lose a crop before June 25th in the year after planting, but are unable to destroy or reseed because of excessively wet conditions, you are eligible for 100% of coverage
Claim Example
A producer insures his FEI-eligible acres for ${coverage2} per acre, and seeds two 100-acre fields (Field A and Field B) in May.
On June 10th, the producer contacts MASC to adjust Field A. An MASC adjustor visits on June 12th and determines the producer only has 60% ground cover. Because the ground cover is less than {ground_cover}%, he is entitled to an indemnity. On June 15th, the producer overseeds Field A.
Because he is able to overseed before the June 25th seeding deadline, the producer is entitled to 50% of his coverage.
| Indemnity: | = damaged acres x dollar coverage x % eligible = 100 x ${coverage2} x 50% = $. |
|---|
On June 25th, the producer files a claim, reporting that heavy rain in the area destroyed 40 acres of his forage establishment crop. An MASC adjustor inspects the 40 acres on July 10th and determines there is less than 75% ground cover, and the producer is eligible for an indemnity. On July 15th, the producer sprays with glyphosate and seeds the 40 acres to greenfeed.
In this case, the producer's field is destroyed, and consequently the producer is entitled to 100% of his coverage on the affected acres.
| Indemnity: | = damaged acres x dollar coverage x % eligible = 40 x ${coverage2} x 100% = $. |
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Claim & Appeal Procedures
Claiming for Losses
You must file a Forage Establishment Insurance claim on or before June 25th for all eligible forage crops seeded, reseeded, or overseeded in the previous year.
To qualify for an indemnity, a Forage Establishment Insurance crop must be inspected by an MASC adjustor before you can destroy, reseed, or overseed the crop. In some cases, you may overseed a forage establishment crop instead of destroying it and still qualify for an indemnity.
Appealling an Appraisal of Loss
If you do not agree with an appraisal of loss completed by MASC, a second appraisal will be completed. If you do not accept this second assessment, or you reconsider the decision after signing a claim, you have 7 days to appeal the assessment to the Appeal Tribunal.
For more information, please see Appeals.
Related MASC Links |
External Links |
