Purpose

Winter wheat insurance provides financial assistance to winter wheat growers when they experience a significant production shortfall.

Eligibility

• Winter wheat is not eligible for Stage 1 (loss prior to June 20) coverage. It is still eligible for the 25 per cent reseeding benefit.
• Winter wheat is eligible for a Stage 2 UH (loss after June 20) indemnity if damage occurs prior to June 20 of the crop year following the year of planting, and you were unable to destroy or reseed due to excess moisture.
• Winter wheat that establishes and suffers an insurable loss after June 20 is eligible for a Stage 2UH or Post-Harvest claim.
• If winter wheat is overseeded, no indemnity is payable for the damaged winter wheat. The resulting crop may be insured as Other Spring Wheat or Mixed Grain.

Claims

Reseeding benefit is 25 per cent of selected coverage (see below for reseed examples).

Note: If it remains too wet and an insured cannot reseed, the claim may be converted to a Stage 2UH, in which case full coverage will apply. If this occurs, the full appraised yield determined by MASC will be counted as production.

In the spring of each crop year, MASC will establish a date based on agronomic conditions whereby it can accurately complete a crop assessment. Crops must be appraised and consent given prior to destruction in order to be eligible for a reseeding benefit.

Stage 2 is 100 per cent of selected coverage (less appraised yield) for losses occurring after June 20 and prior to harvest.

Post-harvest is 100 per cent of selected coverage.

Note: After the crop is harvested a final indemnity is calculated for the yield shortfall of the entire acreage of winter wheat (includes appraised production for affected acreage).

Reseed Example

This example illustrates a winter wheat reseed claim payment on a 100-acre crop.