- Customer Responsibility
- Customer Responsibility (Forage Specific)
- Preventing Program Abuse
- Farm Practice Surveys
Insurance is available to any producer who meets SCIC eligibility requirements. Before starting view the application checklist. Crop Insurance regulations require contract holders to demonstrate legal, operational and financial independence from all other producers in order to be eligible.
All new applicants are required to fill out an application to demonstrate eligibility. Legal independence is defined as legal access to the land (owned or leased) on which insured crops will be grown. Operational independence means you are responsible for farming decisions and have access to machinery and crop storage. Financial independence means you bear the financial risk of any crop loss. SCIC may review existing contracts to ensure they meet eligibility requirements. Where concerns are identified, the contract holder will be advised of the requirements in order to maintain their contract.
To apply for a contract, visit your local customer service office or call 1.888.935.0000 to meet with us before March 31 of the insurable year. You must apply for a contract of insurance in person. Non-residents of Canada applying for a contract must have verification of approval or compliance from the Saskatchewan Farm Land Security Board.
Young farmers taking over family farms can use the experience obtained from the family farm for their own contract. The transfer of earned credits would be implemented using partial credits with a three year progression to the full credits of the original contract. To be eligible for an intergenerational transfer the applicant must not have previously been insured under the Crop Insurance Program and must not have held a Contract of Crop Insurance with SCIC.
Taking over the Family Farm?
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As a contract holder, you were sent a Confirmation of Insurance listing the insurance selections you made the previous year. Your contract will remain the same for the current crop year unless you make changes. The deadline to make changes for all Crop Insurance programs is March 31. Premiums are charged on acres seeded to crops selected for insurance. There is no charge for endorsing crops you do not grow.
If you wish to cancel your Crop Insurance contract, SCIC requires notification in writing by March 31. The cancellation notification must contain the signatures of all parties named on the contract. In the event you cancel your contract, you can go three years without paying any premium before losing your discount. Contracts with four years of no premium earned will automatically cancel.
Forage: All newly insured stands of perennial forage or sweetclover must be established before liability is accepted. These acres should be reported by March 31, by contacting your customer service office. Land can be added after the March 31 deadline but the forage crop on those acres must have been endorsed by March 31 to be insurable. All new acres will be inspected.
As part of the SCIC contract, producers must list all land they own and operate. All land changes should be made early, as soon as you are aware of the change, to ensure it is covered under your insurance. All land changes (additions or deletions) are subject to approval. Acre verifications may be necessary to determine eligibility. Land can be added to your contract after the March 31 deadline but the crops on those acres must have been endorsed by March 31, to be insurable.
Note: These acres may not be eligible for insurance if damage occurs before you notify SCIC or complete your Seeded Acreage Report. Land rental or sale arrangement documents may be requested to verify land changes.
The final dates that liability will be accepted are general, based on the areas with the latest average first fall frost, and reflect the latest date that a crop could be seeded in the province. In most areas, crops need to be seeded earlier than these dates to be expected to mature. Talk to your customer service office for assistance in determining seeding deadlines for insurable crops.
Seeding Date Tool
This tool provides the final date full liability may be accepted on insurable crops.
The map provides dates based on townships and rural municipalities, using first fall frost dates. June 20 remains the final seeding deadline for all crops. Crops seeded between the SCIC recommended date and June 20 will be compared to other crops in the area if a seeding date related loss occurs, like frost, or may impact a request for an extension of insurance where all others have completed harvest. This area comparison may reduce liability. Note: some crops have absolute final seeding dates that are earlier than June 20. Please refer to terms and conditions for chickpeas, hemp, soybeans and corn.Click here to view »
|Average Maturity in Days||Final Date Liability is Accepted|
|Camelina (brown soil zones)||May 21|
|Chickpeas (all classes)||May 21|
|Grain Corn||May 30|
|Hemp Grain, Soybeans||June 5|
|Fall Crops||September 30|
First Fall Frost
To be insurable, any seeded crop is expected to reach a reasonable level of maturity before the first fall frost date in your area.
If your crop is seeded by the final date liability is accepted, but too late to be reasonably expected to mature, liability may be reduced or denied. Consider the average days to maturity for each variety in conjunction with the normal first fall frost date in your area. The final dates that liability will be accepted are general, based on the areas with the latest average first fall frost, and reflect the latest date that a crop could be seeded in the province. In most areas, crops need to be seeded earlier than these dates to be expected to mature. Talk to your customer service office for assistance in determining seeding deadlines for insurable crops.Click here to view First Fall Frost Map »
You must submit a Seeded Acreage Report declaring your seeded acres no later than June 25. This report is necessary to calculate your level of insurance and process your claims. You do not have any Crop Insurance coverage until you report your acres on your Seeded Acreage Report. If you suffer a crop loss and have not reported your acres by June 25, your claim may be denied.
Seeded Acreage Report forms will be mailed to you in May. You can phone, fax, mail or drop off your seeded acreage information at any customer service office, or CropConnect customers may complete personalized reports online. If you fail to submit or are late, you may be assessed a penalty of $60. If necessary, an adjuster will visit your farm to gather the required additional information at an additional charge.
Forage: You must submit a Seeded Acreage Report declaring seeded acres no later than June 25. Insured greenfeed crops seeded by Jun 30 are to be reported by July 5. Forage acres reported after a loss has occurred may be denied liability.
You are required to report all stored grain either on the separate Stored Grain Declaration form enclosed with your Seeded Acreage Report package or filed online through CropConnect. Providing your stored grain information will result in more accurate claim payments. Your completed Stored Grain Declaration must be submitted to SCIC by June 25 with your Seeded Acreage Report.
If your stored grain amounts change after June 25, contact your customer service office to update your reported information. Updates must be made before harvest begins.
Note: Stored grain not reported will be considered new production in the event of a yield-loss claim. If your production is mixed with that of any other producer, either in sales or storage, yield-loss claims will be averaged among individual producers. All stored grain, whether the crop is insured in the current year or not, should be reported. Your grain is not covered for losses once it is placed in storage. Cleaned or treated seed should be included as stored grain.
Statement of Insurance
Once you have reported your seeded acres, you will be sent a Statement of Insurance listing your premium, insured crops, total number of acres, production guarantee, premium discount or surcharge and the provincial, federal and producer share of the total premium. Examine your statement carefully as it is your responsibility to report any errors or omissions immediately upon receipt. Your premium is due upon receipt of your Statement of Insurance. Interest will start to accrue October 1. However, if your premium is paid before October 31, there will be no interest charged. Outstanding balances will have interest charged monthly. Claims will be applied to any outstanding balances. Amounts not paid by October 31 will continue to accrue interest at the beginning of each month until the account is paid in full. The interest rate is RBC prime plus two per cent, adjusted quarterly. Any contract with premiums not paid or not having approved payment arrangements made prior to purchasing subsequent insurance will not be eligible for continued coverage and will be cancelled. Your account can be paid online, at your financial institution or at a customer service office by March 31.
Declaring your Yields
In the fall, you will be mailed a Production Declaration form. The deadline to submit your declaration is November 15, and declaration information must be provided before you can register any yield-loss claims. You can phone, mail, fax or drop off the information, and CropConnect customers may complete personalized declarations online.
The Production Declaration serves two important functions for your Crop Insurance contract:
- Production information is used to calculate your annual yield. If you do not complete a Production Declaration, your annual yield will be set at zero, reducing your future coverage by 10 per cent for each year you fail to report.
- Production Declaration information must be submitted before you can register a post-harvest claim and should be filed as soon as you complete harvest. This makes the claim process more efficient, allows us to better allocate our adjusting resources, and improves the customer service you receive.
SCIC verifies a percentage of all declarations.
Forage: As with all SCIC yield-loss programs, your insured forage crop annual production is used to calculate claims and update your individual yield guarantee. If you do not provide this information, your annual yield will be set equal to the guaranteed production, thereby reducing future coverage. In July, you will be mailed a production declaration to report your annual yield. Return this information to SCIC or contact your customer service office by September 30, to report your yield, SCIC will verify a percentage of declaration. If you have second-cut production, you must contact SCIC with your production information.
Preventing Program Abuse
All customers pay the price for dishonest claims through higher premiums. SCIC’s Compliance unit assists in maintaining a fair program, ensuring every premium dollar collected goes to farmers who experience uncontrollable losses.
An audit is a formal examination of your farming records, land and grain storage facilities by an SCIC employee. Performed year-round, there are many reasons you might be selected for an audit.
- Random, computer-generated selection
- High indemnity-to-premium ratio
- Unusually high dockage on claims
- Unusual or a history of repeated claims
- Complaints from internal or external sources
- Anonymous tip through Saskatchewan Crime Stoppers
Audits are also conducted to ensure the fairness and accuracy of employees’ work. During an audit, you may be asked to produce farming records and allow access to your farm for matters arising from the contract of insurance. As a condition of your contract of insurance, SCIC can access your operational information from grain companies or other individuals and organizations.
If false or misleading information is discovered, your contract could be terminated and any excess money returned to the Corporation. Insurance may be voided for the crop year in which the fraudulent action occurred and will remain void until the Corporation approves reinstatement of the contract. Any premiums paid on voided contracts may not be returned and any unpaid premiums will remain owed.
If you suspect program abuse, a complaint can be filed at any customer service office or with Saskatchewan Crime Stoppers. Crime Stoppers guarantees complete anonymity; call 1.800.222.8477.
Farm Practice Surveys
SCIC conducts farm practice surveys to examine the farming practices of selected customers, monitoring farming methods on traditional and non-traditional crops and verifying the use of recommended farming practices. You may be selected for a farm practice survey because of a history of repeated or unusual claims (high dockage claims, repeated uninsured causes of losses applied, etc.).
If you have been selected for a farm practice survey, you will be asked to provide crop input information (i.e. seeding rates and chemical applications), the grain or forage type, variety, seeding dates and seeding methods on a Cropping Plan form to be completed by March 31. The adjuster will review your efforts to prevent and control losses. If the form is not returned or if the farm inspection finds uninsured causes of loss, your potential claim for the year will be adjusted accordingly.