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Winter Wheat Insurance
First brought to North America by Russian Mennonites in the 19th century, winter wheat has since become a popular crop in Manitoba, and is well-suited for zero-till or minimum-tillage seeding practices.
Winter wheat germinates and starts growing in fall before freezing occurs, then becomes dormant until winter's end. In spring, winter wheat makes efficient use of available moisture, and its early spring growth makes it a good competitor against wild oats and other weeds.
MASC's Winter Wheat Insurance provides compensation to producers who experience a significant production shortfall or need to reseed due to winterkill.
- Eligibility
- Costs & Coverage
- Deadlines
- Claims
- Procedures
- Links
Eligibility
Eligible Producers
You're eligible for Winter Wheat Insurance if you hold an active MASC Contract of Insurance and grow winter wheat in Manitoba.
Eligible Crops
All varieties of winter wheat are insurable. However, winter wheat grown in Manitoba is highly sensitive to winterkill when sown into conventionally tilled seedbeds. As such, winter wheat that's grown in eligible stubble qualifies for higher coverage than winter wheat grown in ineligible stubble.
Eligible Stubble
Eligible stubble: stubble from a crop harvested in the same year that the winter wheat is seeded, with that stubble having not been disturbed by cultivation.
To qualify for a Stage 1 indemnity, winter wheat can only be sown into an eligible stubble of tame hay, tall fescue seed, canola, rapeseed, barley, wheat, oats, mixed grain, triticale, flax, mustard, fall rye, canaryseed, ryegrass seed, timothy seed, alfalfa seed, hemp, sunflowers, corn, borage, millet, corriander, sorghum, sudan grass, or buckwheat.
Costs & Coverage
Premiums for Winter Wheat Insurance are shared, with {producer_share}% paid by producer, {federal_share}% paid by the Government of Canada, and {provincial_share}% paid by the Manitoba Government, as part of the Federal-Provincial Growing Forward Framework agreement.
Winter wheat can be insured at {coverage1}%, {coverage2}%, and {coverage3}% coverage levels, similar to other insurable annual crops. It is recommended that winter wheat be sown into eligible stubble so winterkill losses are minimized.
Winter wheat sown into an eligible stubble will have no restrictions applied to coverage. However:
- Winter wheat sown into a non-eligible stubble crop (including summerfallow) will not qualify for a Stage 1 indemnity (prior to June 20th), and is only eligible for a reseed benefit (25% of coverage).
- Winter wheat sown into non-eligible stubble that establishes and suffers an insurable loss after June 20th (Stage 2) is eligible for 100% coverage.
Grade Guarantee & Dollar Values
| Type | Normal Dollar Value |
Pedigreed Seed Dollar Value |
Organic Dollar Value |
Grade Guarantee |
|---|---|---|---|---|
| {winter_wheat::name} | ${winter_wheat::per_bushel}/bu | ${winter_wheat::per_bushel_pedi}/bu | ${winter_wheat::per_bushel_org}/bu | {winter_wheat::grade} |
Deadlines
| Date | Last Day to... |
|---|---|
| June 20th (next year) |
|
Seeding Deadlines
| Crop | Type | Seeding Deadline | Extended Deadline (coverage reduced by 20%) |
|---|---|---|---|
| Wheat | {winter_wheat::name} | {winter_wheat::full} | {winter_wheat::extended} |
Claims
Claims for Winter Wheat Insurance are staged to corresponding incremental coverage levels.
- Reseed Claims: 25% of selected coverage
- Stage 1 Claims: 50% of selected coverage, for losses incurred between the time of planting and June 20th of the following year
Note: Stage 1 claims can only be made after January 1st of the year in which the winter wheat will be harvested, and only apply when sown into eligible stubble.
- Reseed / Stage 1 Claims: 75% of selected coverage (prior to and including June 20), when both a Reseed and Stage 1 occur
- Stage 2 Claims: 100% of selected coverage (less appraised yield), for losses occurring after June 20th and prior to harvest
- Post-Harvest Claims: 100% of selected coverage. (After the crop is harvested, a final indemnity is calculated for the yield shortfall of the entire acreage of winter wheat, including any appraised production for affected Stage 1 and Stage 2 acreage).
Claim Examples
Last fall, a producer seeded two fields to winter wheat - 100 acres into eligible canola stubble, and another 100 acres into ineligible edible bean stubble. Unfortunately, both fields are damaged by eligible causes before June 20th and required reseeding. For both fields, the producer's {coverage2}% coverage level translated to 44 bu/acre, with the current dollar value of winter wheat set at ${winter_wheat::per_bushel}/bu.
| Indemnity per acre: | = Coverage x (Reseed Benefit + Stage 1 Benefit) x Dollar Value = 44 bu x (25% + 50%) x {winter_wheat::per_bushel}/bu = 44 bu x 0.75 x {winter_wheat::per_bushel}/bu = $. |
|---|---|
| Total Indemnity: | = $. x total acres = $. x 100 acres = $. |
| In this example, the producer receives a Reseed benefit and a Stage 1 benefit because he seeded into eligible stubble. |
| Indemnity per acre: | = Coverage x Reseed Benefit x Dollar Value = 44 x 0.25 x {winter_wheat::per_bushel}/bu = $. |
|---|---|
| Total Indemnity: | = $. x total acres = $. x 100 = $. |
| (In this example, the producer only receives a Reseed benefit because he seeded into ineligible stubble.) |
Claims and Appeals Procedures
Claiming for Losses
If your actual harvested production falls below your guaranteed production, you must file a claim by completing and submitting a Harvested Production Report (HPR). Some claims may be calculated and paid using the information provided in your HPR.
To make a claim for losses:
- Contact your local MASC Insurance office.
- An MASC adjustor will evaluate the damage or loss, determine the cause of loss, and measure all harvested production.
- After evaluating the crop, the adjustor completes a claim form. If you agree with and sign the claim form, it is then forwarded to the Insurance Corporate Office for payment. Generally, MASC will issue the cheque within three weeks of finalizing the claim. If you do not agree with the assessment, you should not sign the form.
- If you are not satisfied with MASC's initial appraisal, MASC will complete a second evaluation. If after a second assessment you still do not agree with MASC's appraisal, you have the right to appeal the assessment.
Appealing 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.
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