 With me today is Teresa Gable. She's the PT in charge of most of these programs right over there So she's the lady you want to see when you go in And also I do have the fact sheets and handouts on each of the programs that I'm going to cover So you don't have to if you can take notes if you want to but There's stuff over there too. So The first one we're going to talk about is NAP non-insurance crop disaster assistance how they get NAP out of that I don't know they just did it's a government acronym um Most the deadline for this is March for most crops is March 15th your hay your pasture your millet for forage any of that tough It works pretty much like crop insurance does you get what you pay for for? $250 you can ensure all of your tame and native hay for another 250 you can ensure your pasture So $500 50% of approved yield 55% of price. That's the basic coverage whoops back up Um Right now we have 17 crops With 39 I cannot cover chocolate pudding plants But I do have a mixed forage that will cover the cover crops for full season grazing. So we're we're good there Additional coverages Not on grazing but you can buy up just like you can crop insurance up to 100% of the price and 65% of the yield There is a maximum that they figure off of a guarantee We've never had anybody hit that we had two producers buy up in 2017 So um these are some examples of last year you'll get this summary of coverage every year It'll show you what you have it'll show an estimated dollar amount You will never get $9 an acre on native hay Never. That's 100% loss at 100% So everybody got all excited that they were gonna get $9 an acre on their nap this year We're disappointed But depending on what your yields are and these you can prove up just like you do crop insurance They set a price just like RMA Several of the crops that are also insured by RMA we use RMA's final price Winter wheat for grazing will go on RMA's winter wheat price So they're set every year This happens to be a buy up here This is an example he carries in three different counties So his buy up in addition to his $1,500 that he paid in three counties which was the $500 He paid another $3,300 in premiums this spring But in buy up alone for just Potter County He made $22,000 on his grazing and another $20 on Less than 200 acres of hay Years like this buy up will pay for you, will work for you In this case he was at a 60% loss $1.75 an acre on his tame hay $2.80 on his tame, $1.75 on his native Here's another example of just the basic This producer did not buy up Had a little bit less yield You'll notice the estimated dollar amount went down But for $500 he got $2,400 on 100 acres of hay He got $30,000 on his tame and native pasture This example was in the eastern part of the county they were at an 80% loss That's why that's higher But there's quite a bit of difference in the buy up But like I said it works just like crop insurance The more you pay for it the more you get PRF has kind of taken a little bit of us Took it over a lot of the forage policies And was offered a lot in western South Dakota on rangelands Correct Now NAP can be utilized in conjunction with grazing And not with the hay portion of PRF is that accurate? You can insure your hay with both But you'll have to choose the benefit that you get You can't double dip on it But say you guessed the wrong quadrant Or you guessed the wrong month on your rainfall index one You could come in with the NAP I just can't double dip But right now PRA and rainfall are considered pilot programs yet in South Dakota So you can insure them with NAP We had one Teresa this year that had to pick They brought in their rainfall on the forage Otherwise it went down So you're saying they can pay for both but they can only collect one? You can choose which one you collect on, yes You can only get to pay for both If you choose to, yes I was told by one office that you could use PRF in conjunction with NAP on grazing But not on the hay portion of it You just have to pick on the hay which benefit you receive You can insure it both but you cannot double benefit That's the last we heard anyway Because it's until it's no longer considered a pilot Now is West River, is RMA, the rainfall and the PRA a pilot yet? Because here it is It depends on if it's a pilot program or not You can still insure it both And like I said with the rainfall indexes It's kind of hit and miss because you have to pick your grids and months Two month intervals Yep, so if you happen to pick the wrong interval on that And NAP would pay you more That you just don't And we worked with the crop insurance agent on the one that we had And it worked out his crop insurance was quite a bit more than his NAP Because he didn't have buy up on it So, but So, yep And his crop insurance agent, I mean they know it as well Because he knew he had both on it We just visited back and forth Because our adjuster went out So therefore their adjuster didn't have to go out I mean we shared information back and forth Well he must have had a forage policy Because there's no adjuster in the PRF Yep, he has a forage policy with us as well So But yep, you just can't claim both The service fee like I said is $250 However, if you're a beginning farmer Or socially disadvantaged We waive them all together And your premiums are only 50% So we have a couple of those This helps a lot with the newer farmers The guys getting into the cattle and stuff You can insure your grass for If you want basic, you can insure it for free So, and there is just a limited resource form There's a website on here You answer yes or no It gives you some information And it's updated yearly Because it's based on This one happens to be 2018 Or 2017 But they update them every year You self-certify on it We don't need to know your income You just tell us yes or no Causes of loss Most of ours come from drought We have played a few Prevent plant on sorghum or millet hay When we've gotten some untimely rains And couldn't get in the end of July That's about all we've paid It's hard to hit on hail Because if you insured 2,000 acres of pasture You're not going to hit a 50% loss Usually with a hail storm We do have ELAP program That we've covered under hail And that will come later So, that's that Owner, operator, landlord or share crop Basically, if you are on a 578 in our office You're eligible for NAP Because you have a risk in the crop We used to have issues with People who rented pasture AUM Because the landowner says I want to buy the NAP policy Because I want to control when And how many people are out there I'm at risk if I tell them They can't run their cattle at all But then you run into the renter Who says my cows were out there Four out of the six months I was at risk for that But you can't claim LFP Because you're not on the 578 So they finally fixed that We can load animal unit Animal unit rents now So in this case And we had one this year Which we kind of panicked over But apparently it worked out well We passed our review National office review last week So in the case of it was He had NAP The owner owned NAP Bought the NAP policy He let them graze Five animal units instead of ten For the whole six months So in that case The landowner was had 50% He lost 50% of his income So his NAP covered 50% of it But the LFP guy was on the 578 And he could actually have 50% Of the LFP that he was eligible for Worked so much better than What we used to You know if the guy had NAP Then there was under the table Well you apply for LFP And I'll pay you this much So if you are If you have a landlord That runs these animal units You are allowed to load those Now in our office That is a big plus Especially for the LFP program So we don't have a lot of them But there's a few that we just We really have In 2017 For 2016 Which wasn't horribly, horribly dry NAP paid out $34,301 In 2017 We paid $420,380 In Potter County A coverage period Pretty much runs the same as Crop Insurance 30 days after you buy the policy Which is usually April 15th for us Grazing season has changed In Potter County Used to run through October 31st It's October 15th now And they have lowered our Animal units, our grazing capacity Used to be 8 acres Per animal unit for NAP For Unnative And now it's 7 this year And there are counties around us Pretty much everybody had a change At least on one if not both Of their carrying capacities You must report crop acreage By November 15th for grasses You must report your harvested production Failure to report We give you a zero And let me tell you Zero yields on a 10-year APH Theresa can tell you Long time You can report it anyway From simple piece of paper To bring me in your notebook Out of your pocket From the bail count To automated Excel sheets On the website A lot of guys just If they insure their grain Or their alfalfa And they have to report to RMA They just add the legal descriptions Of what they've got for NAP On that same multi-paral Crop Insurance reporting Give us a copy of it all We don't care If we don't want alfalfa We won't use it That way all your hay is in one place But you have to report This is an APH Just like crop insurance If, like last year We have a disaster We don't make you take the zero That you may have gotten They use a replacement yield Which is 65% of T T yield for NAP changes Every year Correct me if I'm wrong, Theresa We were 197 last year And we're 181 this year Yeah Yep So But it's very, very important To report your yields Notice of loss You have to file a notice Of loss with us I will tell you this year May they were in They were just like I'm gonna certify I have a loss already Like we'll take them We can't pay grazing Until after the grazing season But I mean we all knew 15 calendar days If it's a prevent plant Or if you have a cover crop That maybe gets a hail Or something like that It'll be 15 days after you first notice it If you're gonna hay a field Or you tell us you intend to hay And you end up grazing it Come in and tell us Panel out a piece Otherwise you're gonna get Zero production And I know When we used to report by July 15th You didn't know whether You were gonna hay your graze Now that you have to report it November 15th Nobody knows But let us know And it's all right if you change it It's just that you have to Let us know that you're changing it And we can do something about it So grazing losses These are always interesting In the fact that Our handbook is less than friendly When it comes to pasture losses But if you carry a hay policy And you have a 50% loss On your hay We'll give you a 50% Loss on your pasture Figured it's the same type of grass Same type of management Pretty good to go If you don't carry a policy And we've got a neighbor Who maybe is a couple miles away from you We can assign a similar yield Through our county committee Don't have a lot of NAP policies If neither of those are the case We need independent assessments We've divided the county into three areas Each one of these areas Has grazing cages that are Monitored by NRCS established Last year Western part had a 60% loss Center a 70% Eastern half was an 80% loss This was the first year With our grazing cages So it was kind of a learning curve I think they'll be good As we get it underneath us At Falk County has used them For 16 years They have years worth of data On different range sites And so I think Once we get it working We'll get it going One grazing cage is Right here on my sister's land At South Whitlock We've got one just outside Of town here in the middle We've got one up by Tolstoy And one way down here In the Sahara Desert in three So we kind of evened out Three is there wasn't really Any way to divide this county That was halfway decent Dewey County They divided theirs into four acres They averaged anywhere from 80 to 90% Walworth they just used this countywide They had a 60% loss last year Edmunds used this countywide They were at 68 Falk is countywide at 75% Hyde divided North and South They were 83 and 89 Sully County divided theirs into Six different areas And they varied between 80 and 85% I think once we get Once we get this going We'll be better For our independent assessments Those are done by Either SDSU or NRCS Grazing Specialists We can't use our loss adjusters We can't use crop insurance Some These are an example of the 17 crops we have The table had not been updated When I was going to print screens Our grazing days are 178 now But there's the seven and the five Doug talked about rye Planting rye Rye for forage can be insured under NAP However you had to buy the policy In September Winner weave for a forage You can buy March 15 We're attempting to I know the same thing Trying to get that changed Whether or not we can That's a whole other story But if it is something that you think You might do Come see us this fall Before you plant it Or as soon as you finish planting it And we can get that insured as well Here's the Chocolate pudding crops Oats and peas Small grains Sorghum We've got legumes And small grains Pretty much anything you can think of We can find a place to put it We are still working on Adding a vegetable Mixed forage with vegetable They haven't told us no yet We've been trying since last January They just haven't told us yes So if we get that added That'll be one more Trichacaly wheat Premium calculator Right now you still need e-off And I don't know how many of you have access If you did the FSA Farms Plus You'll have that If not, come in Sit down with your county office Danny and I ran how many scenarios last year Dan with X amount of acres of this It takes two seconds to plug something in To see what your buy up costs And see what you think you want to have it for So the fact sheets The production ledger And the loss adjuster's handbook If anybody wants to read 400 pages of that Trouble with weather is it's right too often For us to know or wrong too often Which by the way That was a 30% chance of snow That we hadn't got this morning So kind of rain If you get 30% we're not 10% we'll get rain here 100% we're not going to get a drop Any questions on NAP I hit livestock forage And like I said Come in, see us, sit down with us We'll plug crops in, acres in What it might cost you What your premium might be What the buy ups might be I mean that's what we're here for so Livestock forage disaster program LFP Yikes If we don't get any more rain Or we don't get spring We're going to be doing this again Again, the grazing period LFP only kicks in for a qualifying drought Qualifying drought is D2 for 8 weeks D3 anytime D3 for 4 And D4 Thankfully we never hit D4 last year But we did hit 4 monthly payments We were in D2 long enough And then we hit D3 to qualify For the 4 monthly payments Right now the last thing we checked We're in D1 I think For drought monitor If you, you can access this It comes out every Thursday Also this page lets you submit a report As an individual saying I don't know where you get your numbers But we haven't had rain for 6 weeks And they are very helpful with that They take them, they answered right back I think it helps sometimes With the work reports you put in I can do them as an office manager I can only do them once But you guys can do them all yourself I think local impact affects it more Than the February meeting we had here last year Didn't she say that 55% Of the drought monitor stuff Comes from the impacts that they get From their customers From individual producers replying them So if you, honestly This is the best thing you can do to help yourself Because a lot of our programs Are driven by this drought monitor Lives don't include beef, cattle, buffalo Goats, sheep, swine Pretty much anything you would have been grazing Not the deer that are out there That you're not paying for If you raise deer for a living you can But not, not the one that you're feeding For the state for free Must have owned them 60 prior days Prior to the beginning of drought In our case this year we hit D3 On June 20th So anything you owned as of April 20th We could count whether you had sold them or not We can count mitigated If we hit this year again Anything you sold in 17 Can be counted again as previous years mitigated They'll be paid at an 80% level Though instead of the 100% that they were this year So do keep track, don't think Well just because I sold my cows I'm not eligible for this program As long as you've got grazing you're good You have to own or lease livestock during those days And provide the grazing You have to again be on the 578 The only, the only scenario that this program Doesn't cover well is share cattle Jason owns the cattle, I own the land You have no grazing because you're not on my 578 Because you're not really AUM We have landlords that figure it out How much they got per head And then pay their share cattle guys But it doesn't, there's just no way to account For that scenario in this program Unfortunately So If you actually lease them You're taking them in so much a dollar A head per day or something like that Then yes that works But a lot of them are I give you 40% of the calves If you write it up to me and tell me You have a lease, yes I need, if you are not on a 578 I need a written lease And it has to go to committee to prove it We used to be able to do those Form 855s That just said yeah I run them, it's fine This year Washington has said absolutely not If you're not on the 578 It's going to take me two pages of explanation To say you might be So they're making, they're tightening it up A little bit Again those were the payment rates for last year 60% of the feed cost I like this one Okay anything on LFP? I know that was quick But like I said we have the hand out If you want to come up and talk to us Last year Kupada County paid $1,183 Out for LFP Livestock indemnity This one covers Weather related deaths And they have to be an eligible Weather related above normal mortality I know, February 1st Sometimes that's the start date for heifer calving We had some nasty cold weather And this last weekend wasn't very nice either Keep track, you lose a calf If you've got two on the ground And you lose one You're at a 50% mortality That weather event counts We pay you for the calf You know it's not going to be a lot But it's going to be something And all you have to do is email us Text us, call the office Say hey I lost a calf today Got a cold, couldn't find him Snow, landed in a snow bank Call us Then we'll worry about getting your calving records When you're done You know you don't have to bring in your calving book Every week or every two days Just tell us when you lost them You had to have owned them again 60 days This one They have to be maintained for commercial use Now they're saying We're not going to pay for your roping horses Or your barrel horses I know everybody out here Your barrel horses You're running them checking cows Your roping horses You're using them I have no heartburn You're claiming them on your schedule Left their animals That's my personal opinion If you go to another county office You're on your own But that's Like I said Danny told I grew up here In the days before you had four-wheel And I wouldn't ride a four-wheeler On a river break anyway We took horses That's the only way you could check your cows In the pasture And everybody rode it on the weekend So Basically the weather of Andy Is that it lasted all winter It is a blizzard It is Heat indexy It is the wind shield The ice storm we had last year at Christmas Those horrible, horrible cold temps We had between Christmas and New Years this year A disease Now we have paid anthrax And this cyanobacteria These two require that the vet tell me That's what the cause of death was And the one year we paid anthrax And the last year when we paid the other one It was because it was so dry The spores came up The grass wasn't there to protect them All the dams got dropped So if the vet tells you That's what it is And those are eligible There's the normal mortality Cavs 95% is considered regular What your calves should be So a 5% loss 2% on your heavier calves One and a half on cows and bulls Sheep 4% These will be the ones that look the healthiest Standing next to the ones that can't walk Or across the yard We grew up We raised sheep, cattle, horses Pretty much anything you can Name Dad had his hand in And I will tell you that God was not kind When he compared us to sheep But they paid my way through college So In 2016 We paid out $10,400 in lip And for 2017 We paid $19,900 We do have some 2018 applications Because of that cold weather that we hit If you And I think I have this back here If you have a weather event And we try to document it at this office We keep three or four different calendars We've got the weather underground I think there's one out at the airport Danny, they moved out from PCI Out to the airport, didn't they? That weather station, SCSU's weather station So we can monitor it fairly well Obviously winter storm Blizzard's fired, cold But say you had a calf born Today, it's cold It's windy, it's crappy But you doctor it up, give it some shots Walks around, you think it's going to make it 30 days later, it's dead in the yard It's still a weather event You can tie it back to it was born during the cold Your cabin books support that So you do have 30 days to tell us that it died So And like I said, just report them as it happens Call us, text us, email us We don't care We have to come in and sign the form to report the loss We just keep a running tally One year we went a whole year And had one event in December But we kept all the running tallies Last year, I think Amy had eight different events Weather events, lightning We had heat, we had cold, we had everything Documentation You can take pictures if you want I don't really have to see them You'll take that check, you'll want them We'll take them, that's fine Vet records, you know Hey, I AI'd my cows I preg tested my cows last fall Here's the vets, I had 120 head Tax records if you're depreciating them out Pretty much anything as long as we can verify Beginning and ending Say your neighbor came by And helped you bury 17 calves He can write on the form I saw him, she had 17 dead cows Pretty much anything will work for here Now, again, that is up to your county committee What they're going to ask you for records My county committee, every single one of them has livestock They know what it's like I have never, we've never had a record turned down Again, and we passed, like I said We were picked for national review Because of the amount of dollar amounts That we went through in these programs Some of the best records she's seen in the nation So, calving books, things How do you make a million farming? Start with two and work real hard Next program is eLab And this is a different sort But it's up for review, up for changes In the 2018 farm bill Whether or not it makes it through Or the 19 farm bill That they're trying to remove this 20 million dollar cap Right now, LFP and LIP It's subject to a certain 60% nationwide factor Everybody gets the same 60% cut, you're good This is the only one who waits until the end Throws every application in the pot And then divides it back out Anything, April will probably pay Theresa on the ones we have Rather than right away And so they're trying to get that change So it happens within the same at least calendar year Of what happened Basically this program covers Anything the other two don't It will cover your grazing losses due to hail Which NAP does not And LFP does not The nice thing about this one for hail Is it's field level So if I have one pasture along here At the river and it gets a July storm I can claim eLab on that Because it doesn't affect I don't have to compare it to all my other grasses All my other units So that helps It's not going to pay a lot But it is there We did have Eight or nine applications for hauling water this year Again, not a lot But same thing You have to own them You have to be commercially And you have to be on a 578 It's based on a dollar That says 216 But it's actually 18 I can't type Grazing days again are back down to 168 There's the hauling the water Not going to be a lot But it's going to pay for a little bit of your gas If you have any questions Don't hesitate to call me I've got cards It's hard to see My email is Mary Dutchman My name is It's Mary Kay When I was two My mother said I was in the living room And told everybody that I didn't like the name Mary And I was going to be called Kay Anybody that deals with me in the office And you think I'm bad now I started early Sign up for our texts Other programs are available The one I do like Is this Crop scape from NAS This is a picture of 160 acres that we own Just west of here This was planted to spring wheat You can just pull up your own legal description And it's nice I do know that when you switch lands If you switch landowners We are not allowed to tell you What was planted on that For crop insurance purposes But NAS gives you free access To what may or may not have been planted In previous years Just a little tidbit I like this one because Like I said, I raise sheep Anything else As far as questions Anything, I do know Some of this stuff seems Like Doug says The crazy people stand up here And talk about it So don't jump both feet in Maybe just take 40 acres Or take half your herd And wean them late Just take a little bit of a risk There was a quote I found When I was going through this It says you can't steal Second base if both Your feet are on first Start small You don't have to dive in But eventually you'll like it Right, Doug? But we're here Anytime you need us 8 to 4, we're at the office 8 to 430 If we can't answer it We'll find somebody who can