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U.S. farmers last week finalized their crop insurance plans for spring planting with critics of the government-subsidized program saying insurers are set up for a bonanza after passage of the new five-year farm bill last month. Farmers who sign up for crop insurance by March 15 won’t, in fact, enjoy the enhanced subsidies of the new federal law, which go into effect with the 2015 crop year. But grain farmers in 2014 will still see up to two-thirds of their insurance premiums paid for by the government. Private insurance companies will also still benefit from the government as their “reinsurer,” an arrangement critics say limits their losses while boosting underwriting gains. With the new farm bill, the government’s largesse gets even bigger next year. “I think taxpayers lost on that farm bill for sure. There was lots of money that could have been saved to reduce the deficit, but they chose not to,” said Bruce Babcock, an agricultural economist at Iowa State University who has studied crop insurance for more than a decade. “The industry lobbies heavily,” Babcock told Reuters. “It’s just rub my back, I’ll rub yours.” A new farm bill was held up for more than a year by wrangling over cuts in food stamps and subsidized programs for the poor. Backers also touted cuts in direct payments to farmers estimated by the Congressional Budget Office (CBO) at $40 billion over 10 years. But 80 percent of those savings—some $33 billion, according to CBO data—reappear in the new farm bill as “enhanced” crop insurance, reformers say. “The crop insurance program survived essentially unscathed in this farm bill,” said Craig Cox of the Environmental Working Group, which sees U.S. farm policies as wasteful to taxpayers. “This was the first farm bill where there was a lot of attention paid to trying to reform the crop insurance program. None of those reforms made it into the final bill.” Crop insurers, on the other hand, praised the new law. “For the taxpayer, it eliminated direct payments and reduced some of the price support policies of the past in favor of expanding crop insurance, which is purchased by farmers on an individual basis,” David Graves, president of the American Crop Insurance Association, said in a written response to questions. “For crop insurance companies, the farm bill underscored the fact that crop insurance is the top risk management tool for America’s farmers and ranchers.” Read the entire article here. Content provided by:  http://www.insurancejournal.com/news/national/2014/03/17/323445.htm

The new U.S. farm bill is already a year behind schedule so what's one more month?  Negotiators said that the work for the legislation to cut food stamps for the poor and expand crop insurance for farmers won't be completed prior to Congress adjourning for the year.  This farm bill will cover topics from farm exports and food aid to crop subsidies. The delay is nothing new for the farm bill.  Since mid-2012 Congress has asked for massive cuts in the food stamp program.  The House is asking for the largest amount of cut with a $40 billion cut over the course of the next ten years.  The Senate is a little more liberal with a recommended cut of $4.5 billion. According to Insurance Journal, “We will be ready to vote in January,” Debbie Stabenow, who chairs the Senate Agriculture Committee, told reporters." Many components of the farm bill are up in the air, including food stamps. The Proposal The new farm bill would spend some $500 billion over five years, three-quarters of it on food stamps. Specifically, the Insurance Journal reports, "Both chambers would trim spending on traditional farm subsidies, conservation programs and food stamps, while expanding outlays for crop insurance by up to 10 percent. One crop insurance proposal would assure grain and soybean growers of up to 90 percent of average revenue from a crop." Read the entire article here. Content provided by http://www.insurancejournal.com/news/national/2013/12/11/313908.htm

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Most states allow company owners and executives to opt out of (or not opt in to) Workers Compensation insurance. But did you know that if you choose this option your Health insurance policy might well not pick up work-related medical claims? If you carry Health coverage through your company Group plan, you can usually arrange to be covered for work-related injuries under this policy - which then becomes "24-hour" coverage for you. However, many small business owners and managers are insured under the Health Plan of their spouse or parents - which almost always exclude work-related injuries. Let's say that you exempt yourself from Workers Compensation and have coverage under your spouse's Health insurance - and you suffer a serious injury in a work-related, at-fault auto accident. Once you have exhausted the Medical Payments coverage under the company's Commercial Auto policy, the chances are that you'll have to pick up the tab for the rest of your medical bills. You might even have to choose between limiting your treatment options or going bankrupt (unpaid medical bills are the nation's leading cause of bankruptcy). Even if you have "24-hour" insurance under your own Health policy, this coverage will not reimburse you for income lost during your convalescence. So, what's the solution? You might consider buying a Disability income policy - or decide to cover yourself under Workers Compensation, after all. As always, our agency stands ready to offer our professional advice. Just give us a call.