United States

Department of

Agriculture

Federal Crop

Insurance

Corporation

Risk Management 

Agency

Product 

Administration 

and Standards 

Division

FCIC-18170

(11-2021)

STACKED 

INCOME 

PROTECTION 

PLAN OF 

INSURANCE 

(STAX) 

STANDARDS 

HANDBOOK

2022 and Succeeding Crop Years 

November 2021 FCIC-18170 TP 1

UNITED STATES DEPARTMENT OF AGRICULTURE

RISK MANAGEMENT AGENCY

KANSAS CITY, MO 64133

TITLE: STACKED INCOME 

PROTECTION PLAN OF INSURANCE 

(STAX) STANDARDS HANDBOOK

NUMBER: FCIC 18170

EFFECTIVE DATE: 2022 and Succeeding 

Crop Years

ISSUE DATE: November 24, 2021

SUBJECT:

Stacked Income Protection Plan of Insurance 

(STAX) Standards Handbook 

OPI: Product Administration & Standards 

Division

APPROVED:

/s/ Richard Flournoy

Deputy Administrator for Product Management

REASON FOR ISSUANCE

The Stacked Income Protection Plan of Insurance (STAX) Standards Handbook is being revised for the 

changes to the 2022 Stacked Income Protection Plan of Insurance and will be effective for the 2022

and succeeding crop years. Changes or additions in text are highlighted.
November 2021 FCIC-18170 TP 2

STACKED INCOME PROTECTION PLAN OF INSURANCE STANDARDS HANDBOOK

CONTROL CHART

TP Page(s) TC Page(s) Text 

Page(s)

Exhibit 

Page(s) Date Directive Number

Insert

Entire Handbook

Current 

Index

1-2 1-2 1-21 22-28 (11-2021) FCIC-18170

FILING INSTRUCTIONS

This handbook replaces FCIC-18170, Stacked Income Protection Plan of Insurance Standards 

Handbook, dated November 25, 2019. This handbook is effective upon approval until obsoleted.

SUMMARY OF CHANGES

Listed below are the changes with significant content change. Minor changes and corrections are not 

included in this listing.

Reference Description of Change

Throughout book Updated years.

Para. 42 (5) Added language that cotton acreage enrolled in ARC or PLC by March 15 

cannot have STAX coverage.

Para. 46 (7) Added language that cotton acreage enrolled in ARC or PLC by March 15 

cannot have STAX coverage.
November 2021 FCIC 18170 TC 1

STACKED INCOME PROTECTION PLAN OF INSURANCE (STAX) STANDARDS 

HANDBOOK

TABLE OF CONTENTS

PAGE NO.

PART 1 GENERAL INFORMATION

1 General Information............................................................................................................1

2 Responsibilities...................................................................................................................1

3-20 (Reserved) ..........................................................................................................................1

PART 2 OVERVIEW AND GENERAL REQUIREMENTS

21 STAX Availability..............................................................................................................2

22 General Requirements ........................................................................................................2

23 Other Insurance...................................................................................................................4

24 Endorsement .......................................................................................................................5

25 Units....................................................................................................................................6

26-30 (Reserved) .........................................................................................................................6

PART 3 APPLICABILITY OF GSH AND CIH PROCEDURES

31 GSH Part 8 Administrative and Services Requirements ....................................................7

32 CIH Part 9 Endorsements and Options...............................................................................7

33 CIH Part 10 Units ...............................................................................................................7

34 CIH Part 11 Underwriting Rules for Specific Practices.....................................................7

35 CIH Part 15 APH Database ................................................................................................7

36 CIH Part 17 Category B Crop Procedures..........................................................................7

37 CIH Part 18 Category C Crops...........................................................................................7

38 CIH Part 19 Additional Provisions by Crop.......................................................................7

39 CIH Part 20 Category D Crops...........................................................................................8

40 CIH Part 22 RO Underwriting............................................................................................8

PART 4 ACREAGE REPORTING

41 General Information............................................................................................................9

42 Filing Requirements............................................................................................................9

43 Inaccurate Acreage Reports..............................................................................................11

44 Required Elements............................................................................................................11

45 Insurable Acreage .............................................................................................................13

46 Uninsurable Acreage ........................................................................................................13

47 Zero Acreage Report for County ......................................................................................14

48 Acceptable Acreage Report Revisions .............................................................................14

49 Measurement Services Requested for Acreage Reports...................................................14

50 (Reserved).........................................................................................................................15
November 2021 FCIC 18170 TC 2

STACKED INCOME PROTECTION PLAN OF INSURANCE (STAX) 

STANDARDSHANDBOOK

TABLE OF CONTENTS

PAGE NO.

PART 5 PRODUCTION REPORTING

51 Acceptable Production Report..........................................................................................16

52 Production Reporting Requirements.................................................................................18

53 Required Elements of Production Report.........................................................................19

54 Acceptable Production Evidence and Record Maintenance.............................................20

55 Verification, Review and Correction................................................................................20

56 Adjustments to Production ...............................................................................................21

57-60 (Reserved) .......................................................................................................................21

EXHIBITS

1 Acronyms and Abbreviations...........................................................................................22

2 Definitions ........................................................................................................................23

3 (Reserved).........................................................................................................................24

4 STAX Calculation Examples............................................................................................25
November 2021 FCIC-18170 1

PART 1 GENERAL INFORMATION

1 General Information

A. Purpose

This handbook provides the FCIC-approved procedures for administering STAX. STAX 

provides protection against natural causes of loss that cause area revenue to fall below the 

county loss trigger. STAX does not use approved APH yields or revenues in determining 

STAX coverage, premium or indemnity. 

STAX can be a standalone policy or purchased in conjunction with a CCIP or ARPI policy, 

hereinafter called a companion policy. 

B. Related Handbooks

The following table identifies the handbooks that shall be used in conjunction with this 

handbook.

Handbook Relation/Purpose

CIH Provides general underwriting procedures.

GSH Provides general insurance standards and procedures.

2 Responsibilities

AIPs must use standards, procedures, methods and instructions as authorized by FCIC in the sale and 

service of crop insurance contracts. Each AIP is responsible for using RMA approved procedures. 

Procedures herein must be administered on a policy basis.

3-20 (Reserved)
November 2021 FCIC-18170 2

PART 2 OVERVIEW AND GENERAL REQUIREMENTS

21 STAX Availability

The actuarial documents identify when STAX is available in a county for upland cotton.

22 General Requirements

A. Eligibility Requirements

To be eligible for STAX, the insured must:

(1) elect the STAX plan of insurance on the application on or before SCD as specified in 

the actuarial documents;

(2) have a share of upland cotton in a county where STAX is contained in the actuarial 

documents; and

(3) comply with all terms and conditions of STAX plan of insurance.

(4) The insured crop for the STAX policy must be upland cotton that is not (unless 

allowed by the Special Provisions):

(a) colored lint cotton;

(b) planted into an established grass or legume; or

(c) inter-planted with another spring planted crop.

B. STAX Plans of Insurance

A separate policy is established for STAX coverage, identified by the applicable STAX 

plan of insurance codes:

STAX Plan of Insurance Codes

STAX RP 35

STAX RP-HPE 36

If a producer has a CCIP or ARPI companion policy at the CAT level, the insured is 

eligible to purchase a STAX policy.

STAX as a stand-alone policy is not available at the CAT coverage level.

C. Continuous Policy

STAX is a continuous policy. If the insured does not select a new area loss trigger, 

protection factor and coverage range on or before the SCD, the same area loss trigger, 

protection factor and coverage range will apply as the previous year. 
November 2021 FCIC-18170 3

22 General Requirements (continued)

D. Protection Factor

The insured must choose a PF from the range of 80 to 120 percent in a whole percentage (1 

percentage increments) for each irrigation practice or P/T, unless otherwise specified in the 

actuarial documents and choose a different PF for each irrigation practice or P/T. To obtain 

different PF by irrigation practice, each irrigation practice must be listed on the application 

with the elected PF. To obtain different PF by P/T, each P/T must be listed on the 

application with the elected PF.

The insured may change the PF in subsequent crop years by submitting a policy change or 

new application no later than the SCD.

If an irrigation practice or a P/T is not listed on the application, then the PF will default to 

the lowest PF available for the crop.

E. Coverage Range and Area Loss Trigger

The insured may select any coverage range (in 5 percentage increments) and area loss 

trigger (in 5 percentage increments) shown on the actuarial documents for each P/T, to 

obtain different coverage range by P/T, each P/T must be listed on the application with the 

elected coverage range.

Note: Insureds may select a zero-coverage range for P/T(s) insured under STAX.

The insured may change their coverage range and area loss trigger in subsequent crop years

by submitting a policy change or new application no later than the SCD.

If a P/T is not listed on the application, then the coverage range and area loss trigger will 

default to the lowest coverage level range and area loss trigger available for the crop.

F. Written Agreements

The following table lists the applicable WAs for STAX.

NB New Breaking

OP Unrated Insurance Option

SM Strip-Mined Land

TP Unrated P/T

UC Unrated Land

XC County Without AD

G. Administrative Fee

A separate administrative fee will be charged for the STAX Policy, and waivers of the 

STAX administrative fee is applicable for insureds who qualify as a beginning 

farmer/rancher or a limited resource farmer, see GSH Para. 305 and 809.
November 2021 FCIC-18170 4

22 General Requirements (continued)

H. Good Farming Practices

Insureds who fail to follow good farming practices, including planting or producing upland 

cotton using a practice that is not widely recognized to establish the expected county yield, 

will not be considered to have an insurable cause of loss.

I. Projected Price Cannot be Determined

If the projected price cannot be calculated for the current crop year under the provisions 

contained in the CEPP, STAX coverage will not be provided. RMA will provide notice

that the projected price could not be determined on the RMA website by the date specified 

in the CEPP. STAX coverage will resume the next year STAX is available, unless the 

insured has cancelled their coverage by the cancellation date.

J. Duplicate Policy Exception

STAX is not considered a duplicate policy when available on the AD.

K. First Crop/Second Crop Limitations

See CIH Para. 1223 for the applicable first crop/second crop limitation procedures. 

23 Other Insurance

An insured with a CCIP or ARPI policy may purchase a STAX policy. An insured may also

elect SCO when the insured has a CCIP policy and STAX (see Para. 24). The STAX policy must 

be purchased from the same AIP as the CCIP or ARPI policy:

(1) the coverage range the insured elects for a P/T added to the coverage level the insured 

elected for the companion policy cannot exceed the area loss trigger for the P/T; 

(2) if the companion policy is ARPI, the coverage range the insured elects for a P/T cannot 

exceed the limit contained in the AD for the PF the insured has elected for the ARPI policy; 

and

(3) if the area loss trigger and coverage range that the insured elected for a P/T exceeds the 

limitations in (1) and (2) above;

(a) the coverage range for that P/T will be reduced in five percent increments until the 

limits in (1) and (2) are satisfied; 

(b) if the reduction results in a coverage range of less than five percent, no STAX 

coverage will be provided for that P/T for the crop year; and
November 2021 FCIC-18170 5

23 Other Insurance (continued)

(4) obtaining other insurance issued under the authority of the Act in any manner not 

specifically authorized by the STAX policy will result in the STAX policy being voided 

and the insured may be subject to the consequences authorized under the STAX policy, the 

Act or any other applicable statute.

24 Endorsements

A. SCO Endorsement and STAX Policy

An insured with a CCIP policy may elect the SCO endorsement and a STAX policy for 

upland cotton. However, both must be insured with the same AIP and the same acreage 

cannot be insured under both the SCO endorsement and the STAX policy. 

Note: If the insured has elected both the SCO Endorsement and STAX, then the 

upland cotton must be insured under the CCIP-BP. If the underlying policy is 

ARPI or a standalone STAX policy, the SCO Endorsement is not available for 

the insured’s upland cotton.

On or before the STAX SCD, the insured must designate which acres of upland cotton in 

the county will be covered by STAX and which acres will be covered by SCO:

(1) The insured must provide a production report for the companion CCIP policy for the 

preceding year by the STAX SCD. The production report will be used by the AIP to 

establish the insured’s CCIP APH Database(s).

(a) The insured must designate the acreage for SCO and STAX coverage by 

identifying whether SCO or STAX applies to each CCIP APH database. AIPs 

will capture the insured’s designation by plan codes 31, 32, or 33 for SCO and

plan codes 35 or 36 for STAX in the “Other” field of the APH database. 

Although an insured’s signature is not normally required on an APH database, 

the insured must sign and date the APH database(s) certification and the AIP 

must include the DSSH required statements.

Note: An APH database cannot be established lower than the OU P/T,

unless one of the exceptions provided in CIH Para. 1505B applies. 

(b) An insured is allowed to recertify their production history and the AIP may 

update the CCIP APH database(s) through the CCIP PRD. However, the 

designation for each APH database as SCO or STAX coverage must not be 

changed after the SCD.

(2) The insured may identify on STAX Application whether SCO or STAX coverage 

applies to any acreage added to the operation that requires a new CCIP APH database, 

after SCD and before the ARD. If no designation is made, the acreage is covered 

under SCO.
November 2021 FCIC-18170 6

24 Endorsements (continued)

B. STAX Cotton Seed Endorsement

(1) To be eligible for the STAX Cotton Seed Endorsement, the insured must:

(a) have the STAX cotton lint policy;

(b) have elected the STAX Cotton Seed Endorsement by the SCD; and

(c) cover all planted acreage of the crop in the county insured by the STAX cotton 

lint policy.

(2) The STAX Cotton Seed Endorsement is only available where specified in the 

actuarial documents.

25 Units

Units are not available under STAX.

(1) An insured may report acreage and production using the same unit structure and numbers 

previously established under APH-based plans of insurance to maintain continuity of 

production reports. 

(2) When an insured has elected SCO on a companion CCIP policy and elected a STAX policy, 

any report required by STAX must include both the applicable unit number and acreage 

identifier required by the CCIP policy.

26-30 (Reserved)
November 2021 FCIC-18170 7

PART 3 APPLICABILITY OF GSH AND CIH PROCEDURES 

All procedures and instructions contained in the GSH and CIH apply to STAX with the exception of 

the items identified in the following parts and paragraphs. 

31 GSH Part 8 Administrative and Services Requirements

The following paragraphs in Part 8 do not apply to STAX.

(1) Para. 807 Administrative Fees

(2) Para. 833D Mutual Consent Cancellation

(3) Para. 834 Insurance Choices

(4) Para. 836 Levels of Coverage

32 CIH Part 9 Endorsements and Options

Part 9, Endorsements and Options, in its entirety, does not apply. 

33 CIH Part 10 Units

Part 10, Units, in its entirety, does not apply to STAX.

Exception: The insured may choose to maintain unit structure based on an APH-based plan 

when reporting acreage and production. 

34 CIH Part 11 Underwriting Rules for Specific Practices

Part 11, Underwriting Standards for Specific Practices, except as provided in Part 11 Section 3,

does not apply to STAX.

35 CIH Part 15 APH Database

Part 15, APH Database does not apply to STAX unless STAX has a companion CCIP policy and 

then the APH database procedures only apply to the companion CCIP policy.

36 CIH Part 17 Category B Crop Procedures

Part 17, Category B Crop Procedures, in its entirety, does not apply to STAX.

37 CIH Part 18 Category C Crops

Part 18 Category C Crops procedure, in its entirety, does not apply to STAX.

38 CIH Part 19 Additional Provisions by Crop

Part 19 Additional Provisions by Crop procedures, with the exception of Para. 1904, does not 

apply to STAX.
November 2021 FCIC-18170 8

39 CIH Part 20 Category D Crops

Part 20 Category D Crops procedure, in its entirety, does not apply to STAX.

40 CIH Part 22 RO Underwriting

Part 22 RO Underwriting does not apply to STAX.
November 2021 FCIC-18170 9

PART 4 ACREAGE REPORTING

41 General Information

The acreage report is required annually and determines the amount of insurance, premium, and 

insurable share at the time insurance attaches.

When an insured has a companion CCIP or ARPI policy, the insured is not required to submit an 

additional acreage report for the STAX policy. The STAX policy uses the companion policy’s 

acreage report which must include the SCO or STAX acreage designation, as applicable. The 

AIP must provide the coverage, premium and administrative fee for the STAX policy on the 

Summary of Coverage/Schedule of Insurance.

The following Paragraphs apply when there is no companion policy.

42 Filing Requirements

(1) The insured must sign and submit an annual acreage report, for the insured crop in the 

county, on or before the ARD in the actuarial documents. The acreage report must contain 

the following (see Para. 44 for a complete list of the required acreage report elements):

(a) the amount of acreage of the crop (insurable and uninsurable) in which the insured has 

a share;

(b) the last date any acreage of the insured crop was planted; 

(c) the number of acres planted (acreage initially planted after the final planting date is 

not insurable and must be reported as uninsurable on the Acreage Report);

(d) share at the time coverage begins;

(e) practice;

(f) type; and 

(g) land identifier for the crop acreage (e.g., legal description, FSA FN or CLU). Insured 

must report FSA FN/tract and field number, when available from FSA.

Note: An insured may report acreage using the unit structure and unit number 

previously established under APH-based plans of insurance to maintain 

continuity of production reports.

(2) If the insured fails to submit an acreage report or to report all acreage, the AIP may:

(a) deny liability for the unreported acreage. No premium will be due on the unreported 

acreage and no indemnity will be paid; or

(b) determine the insurable acreage, by crop, P/T and share.
November 2021 FCIC-18170 10

42 Filing Requirements (continued)

(3) When an insured has elected the STAX plan of insurance in a county for their cotton and 

has a share in any acreage in the county for which there has been an enrollment of ARC or 

PLC for cotton, the insured is required to report which acreage/FSA FN(s) are under the 

STAX plan of insurance and which acreage/FSA FN(s) are under ARC or PLC. The same 

cotton acreage cannot have both the STAX plan of insurance and ARC or PLC on the same 

acreage/FSA FN(s).

The insured’s acreage report must:

(a) identify which acreage/FSA FN(s) of cotton is covered by ARC or PLC by 

reporting all acreage of the crop by FSA farm/tract/field number by the acreage 

reporting date; and

(b) identify acreage/FSA FN(s) of cotton covered under ARC or PLC with the 

acreage type of “J,” ineligible STAX acres due to ARC or PLC enrollment.

Example: The insured has elected the STAX plan of insurance for cotton 

in the county and enrollment occurred for ARC on FN 1230 

and 4510 for cotton in the county. Because both the STAX 

plan of insurance was elected and ARC enrollment occurred for 

cotton in the same county, all cotton acreage must be identified 

by FSA farm/tract/field on the acreage report. Additionally, 

cotton acreage on FSA FN 1230 and 4510 must be identified 

with the acreage type of “J.”

CY Crop Unit # FSA 

FN/Tract/Field(s)

Acres Acreage Type

2022 Cotton 0001-0001 OU 1230-54321-01 20.0 J

2022 Cotton 0001-0001 OU 1230-54321-02 15.5 J

2022 Cotton 0001-0002 OU 1230-67891-01 44.0 J

2022 Cotton 0002-0001 OU 6789-12345-01 80.0

2022 Cotton 0002-0002 OU 6789-54321-03 60.0

2022 Cotton 0003-0001 OU 4510-66779-02 55.0 J

2022 Cotton 0003-0001 OU 4510-54776-01 120.0 J

(4) If an insured fails to identify acreage/FSA FN(s) of cotton covered under ARC or PLC on 

their acreage report, they must revise their acreage report to identify this acreage/FSA 

FN(s). The insured has until the premium billing date to submit a revised acreage report. 
November 2021 FCIC-18170 11

42 Filing Requirements (continued)

(5) In addition to any other penalties for misreporting, if the insured has misreported any 

information required in (3) above:

(a) for acreage that is insurable under the STAX plan of insurance that was reported as 

uninsurable, coverage under the STAX plan of insurance will not be provided;

(b) acreage/FN(s) that is uninsurable under the STAX plan of insurance that was reported 

as insurable, the uninsurable acreage of cotton on a FN where ARC or PLC was 

enrolled by March 15 will be revised, no indemnity will be payable, and the insured is 

required to pay 60 percent of the premium due; and

(c) for acreage/FN(s) that both had the STAX plan of insurance elected and that was also 

enrolled in ARC or PLC for cotton by March 15, that acreage/FN(s) will be ineligible 

for the STAX plan of insurance in the current crop year.

43 Inaccurate Acreage Reports

Refer to CIH Para. 1204. 

44 Required Elements

The following elements must be included in the annual Acreage Report (additional information 

for certain elements is contained in Para. 45-49).

ELEMENT REQUIRED INFORMATION:

Insured’s Name, Address, and 

Telephone Number

Enter the insured’s name, address (Street, City, State, and Zip 

code), and telephone number. 

Insured’s Identification 

Number

Enter the insured’s identification number and type (SSN, EIN or 

RAN).

Insured's Authorized 

Representative Enter the insured’s authorized representative, if any.

Policy Number Enter the insured’s Policy Number.

Person Type Enter the specific person type (e.g., partnership, trust, individual, 

corporation, etc.).

Spouse’s Name and 

Identification Number and 

Identification Number Type

Enter the insured’s spouses name and identification number and 

identification number type, if applicable.

Landlord/Tenant Enter the Landlord/Tenant whose share is being insured, if 

applicable see GSH Para. 252.

Insured's Share Enter the insured’s share of the crop at the time insurance coverage 

attaches.
November 2021 FCIC-18170 12

44 Required Elements (continued)

ELEMENT REQUIRED INFORMATION:

Name of Other Person(s) 

Sharing in Crop

If applicable, enter name of other person(s) that have a share in the 

insured crop.

Crop Year Enter the crop year (e.g., 2022).

Crop Enter the name of the insured crop.

State and County Name Enter the State and County where the crop is insured.

Plan of Insurance Enter the plan of insurance elected by the insured. 

Price Election, Projected Price 

Amount of Insurance or 

Protection Factor 

Enter the protection factor elected by the insured.

Coverage Level Enter the coverage level elected by the insured.

Options, Elections or 

Endorsements

N/A, unless the insured elects both SCO and STAX coverage in 

the county. Enter the applicable plan code of 35 or 36 to indicate 

acreage insured under STAX. Enter the applicable plan code of 

31, 32, or 33 to indicate acreage insured under SCO, when 

applicable. 

Practice Enter the insured crop practice. 

Type Enter the insured crop type.

Unit Number N/A, unless the insured chooses to report by unit structure 

available under an APH-based plan.

Unit Structure Code N/A, unless the insured chooses to report by unit structure 

available under an APH-based plan.

Legal Description

Enter the section, township and range, or other descriptions for 

land if rectangular survey is not applicable. This may include GPS 

coordinates or other land identification.

Field Location Identification FSA Farm/Tract/Field Number required. Enter the FSA 

Farm/Tract/Field.

Reported Acres Enter the number of acres being reported.

Approved APH Yield N/A.

Date Planting Completed

Required for all planted acreage.

For acreage planted on or before the STAX final planting date, 

enter the last date of planting and the total acres planted by that 

date.

For acreage after the STAX final planting date, enter the date that 

the insured crop was planted. Acreage planted after the STAX 

final planting date is uninsurable.

Area Classification N/A.
November 2021 FCIC-18170 13

44 Required Elements (continued)

ELEMENT REQUIRED INFORMATION

Acreage Type

Identify whether acreage is: 

Insured (planted); 

Insured - Acreage emerging from CRP the initial crop year see 

Para. 45; 

Insured - New breaking acreage insured in accordance with the 

policy the initial crop year, or insured under SP, and the insured is 

able to substantiate the acreage has previously been in production 

see Para 45;

Insured - New breaking acreage insured , under SP and the insured 

is unable to substantiate the acreage has previously been in 

production see Para. 45;

Uninsurable see Para. 46; 

Uninsurable due to 2nd crop provisions see CIH Para. 1217;

Uninsurable due to new breaking and the insured cannot 

substantiate the acreage has previously been in production See 

Para. 45;

Unreported acreage see CIH Para. 1219; or

Zero acreage report for county see Para. 47.

Remarks Document pertinent information.

Insured's Signature and Date Insured must sign and date.

Agent Information Enter Agent’s name, address, telephone number, and agent code 

number.

Agent’s Signature and Date Agent must sign and date. 

45 Insurable Acreage

In addition to CIH Para. 1216, the insurable acreage is all of the acreage of the insured crop

which is planted on or before the STAX final planting date in the county listed on the application

and is reported to the AIP on or before the acreage reporting date. 

46 Uninsurable Acreage

In addition to CIH Para. 1217, the following acreage is not insurable:

(1) acreage where the crop was destroyed or put to another use during the crop year for the 

purpose of conforming with, or obtaining a payment under, any other program administered 

by the USDA;

(2) acreage where the AIP has determined the insured failed to follow good farming practices 

for the insured crop;

(3) acreage where the conditions under which the crop is planted are not generally recognized 

for the area;

Example: Acreage where agricultural experts determine that planting a non-irrigated 

cotton crop after a failed small grain crop on the same acreage in the same 

crop year is not appropriate for the area.
November 2021 FCIC-18170 14

46 Uninsurable Acreage (continued)

(4) acreage planted after the STAX final planting date. There is no late planting period for 

STAX;

(5) the type and practice is determined to be ineligible for STAX;

(6) acreage is insured under the SCO Endorsement; and

(7) acreage enrolled in ARC or PLC by March 15 for the crop.

47 Zero Acreage Report for County

Refer to CIH Para. 1220.

48 Acceptable Acreage Report Revisions

Refer to CIH Para. 1232 and 1233. 

49 Measurement Services Requested for Acreage Reports

An insured may request an acreage measurement service on or before the ARD. When an 

acreage measurement service is requested, follow the procedure located in CIH Para. 1234 with 

the following exceptions:

A. Identify Acreage

The insured must identify the acreage (e.g., field number) for which the measurement has 

been requested. If an acreage measurement is requested for only a portion of the insured 

P/T, that acreage must be separately designated on the acreage report.

B. Failure to Provide Acreage Measurement

If the insured fails to provide the acreage measurement to the AIP by: 

(1) the time the final area revenue or final area yield, as applicable, is calculated, the AIP 

may: 

(a) defer finalization of the claim until the measurement is completed, make all 

necessary loss determinations, except the acreage measurement and finalize the 

claim in accordance with applicable policy provisions after the insured provides 

the acreage measurement with the understanding that if the insured fails to 

provide the measurement prior to the termination date, any claim will not be 

paid; or 

(b) elect to measure the acreage and finalize the claim in accordance with applicable 

policy provisions and an estimated acreage will not be accepted from the insured 

for any subsequent acreage report.
November 2021 FCIC-18170 15

49 Measurement Services Requested for Acreage Reports (continued)

(2) at least 15 days prior to the premium billing date and the acreage has not been 

measured, the premium will be based on the estimated acreage and will be revised, if 

necessary, when the acreage measurement is provided. Premium will still be due; or 

(3) the termination date, the insured will be precluded from providing any estimated 

acreage for all subsequent crop years.

50 (Reserved)
November 2021 FCIC-18170 16

PART 5 PRODUCTION REPORTING

51 Acceptable Production Report

An annual production report must be submitted, for the crop in the county by the STAX PRD 

specified in the actuarial documents. A separate STAX production report is not required if the 

insured has submitted an acceptable production report to the AIP for the insured crop under a 

companion policy prior to the STAX PRD. The AIP should not obtain duplicate production 

reports and should use the companion policy’s production report (ARPI or CCIP) when 

acceptable. If an insured is using the production report from a companion policy, the production 

reporting requirements for CCIP or ARPI, CIH Part 13, must be met.

If an insured elects both SCO and STAX coverage for the same crop/county, then the production 

report is due by the STAX SCD, see Para. 23.

If there is no companion policy, the following applies: 

A. Acceptability

Production reports must meet all of the following to be acceptable.

(1) Include all acreage and production, insured and uninsurable, by P/T in the actuarial 

documents for the county. 

Exception: If the acreage is unharvested, the insured must certify either unharvested 

and destroyed, unharvested and put to another use or unharvested 

appraised.

The insured may report production at an APH-based plan of insurance unit or lower 

level, in accordance with the procedures located in CIH Part 13. 

(2) Be supported by acceptable production records. See CIH Part 14 for production 

evidence requirements.

(3) Be signed by the insured.

(4) Be submitted by the insured to the AIP by the STAX PRD.

B. Zero Planted Acreage Report

A zero planted acreage report submitted for the current crop year will be considered an 

acceptable production report for the current crop year, provided the acreage report was 

acceptable.
November 2021 FCIC-18170 17

51 Acceptable Production Report (continued)

C. Acceptable Production Reports Not Provided 

If an insured does not submit an acceptable production report to the AIP by the PRD, the 

protection factor for the insured’s policy in the following crop year will be limited to the 

lowest protection factor available. For transferred policies, the assuming AIP may obtain 

production report information for the prior year from RMA systems.

(1) If the insured subsequently switches to an ARPI policy in the following year, the 

protection factor for the insured’s policy in the following crop year will be limited to 

the lowest protection factor available. For transferred policies, the assuming AIP may 

obtain production report information for the prior year from RMA systems.

(2) If the insured subsequently switches to an APH-based plan of insurance in the 

following year, the insured will be subject to assigned yields and related procedures. 

Since the prior year’s approved APH yield will not be available, the assigned yield 

will be 65 percent of the applicable T-Yield. AIPs must transmit a production report 

to RMA indicating the insured did not provide a production report using a record type 

of “L.”

D. Accuracy

Insureds must certify to the accuracy of the information on the production report. If the 

insured fails to accurately report the production, the insured will be subject to the 

provisions in C above unless the information is corrected:

(1) on or before the PRD; or

(2) the incorrect information was the result of AIP error or the error of someone from 

USDA.

E. Supporting Production Evidence Requirement

If the insured does not have acceptable supporting production records to verify the 

information on the production report, the insured will be subject to the provisions in C 

above.

F. Misreporting

At any time it is discovered the insured has misreported any material information on the 

production report, the insured will be subject to the provisions in C above.
November 2021 FCIC-18170 18

52 Production Reporting Requirements

A. Certification

Insureds must certify the harvested and unharvested crop acreage and production by P/T for 

the current crop year. Insureds may report production by any of the following:

(1) the county;

(2) the basic unit or lowest level unit structure available for the crop under an APH-based 

plan of insurance (e.g., maintain OU for subsequent policy transfer to APH-based plan 

of insurance); or

(3) any level, such as field. 

B. Insurable Production

Report as insurable production, all production from:

(1) insurable acreage planted to the insured crop for harvest; and

(2) uninsurable acreage when commingled with insurable production.

C. Uninsurable Production

Report all production from uninsurable acreage as uninsurable production, unless it is 

commingled with insurable production. 

The production for uninsurable acreage must be identified as “uninsurable.”

D. Unharvested Production

When acreage is unharvested, the insured must report zero production using the yield 

descriptor of UG, the number of unharvested acres and whether acreage was:

(1) unharvested and destroyed; or 

(2) unharvested and put to another use.

Exception: Even though appraisals for production are not required, if an appraisal is 

made on representative samples, the insurable production reported is the 

amount determined by the appraisal. If an appraisal is for only a portion of 

the acreage in a field that remains unharvested after the remainder of the 

crop within the field has been destroyed or put to another use, the production 

must be reported on the production report as uninsured production, unless 

the appraisals were taken from representative samples.
November 2021 FCIC-18170 19

53 Required Elements of Production Report

(1) Production must be reported by crop year for each share arrangement and P/T.

(2) Required elements and information for a production report.

ELEMENT REQUIRED INFORMATION:

State County

Policy Number State, county and policy number to which the report pertains.

Insured’s Name Address 

Phone No. Agent Code Name, address, phone number and code of the agent.

AIP AIP’s name and address.

Crop/Practice/Type/TMA/Other 

Characteristics/ Unit Number

Crop name, P/T. Unit number is required if the insured chooses 

to report on a unit basis; if not, unit number is N/A.

Legal Description

Enter the section, township and range, or other descriptions for 

land if rectangular survey is not applicable. This may include 

GPS coordinates or other land identification.

If additional space is needed, attach a supplemental sheet.

FSA Farm/Tract/Field Number

FSA Farm/Tract/Field number is optional unless insured is 

reporting production at the FSA Farm/Tract/Field level. 

Other Persons

Enter the names of other persons with an insurable share in the 

crop acreage (not SBIs). If none, enter “NONE.”

Record Type

Indicate the type of acceptable records maintained for the last 

year in the base period: Production Sold/Commercial Storage; 

Farm Stored Measured by Insured, Pick/Daily Sales Records, 

Automated Yield Monitoring System, Farm-Stored Measured by 

Authorized Representative, Livestock Feeding Records, Field 

Harvest Records, Zero Planted Acreage, and/or Other. See 

CIH Part 14 for description of types of records.

For unharvested acreage specify: unharvested and destroyed; 

unharvested and put to another use; or unharvested appraised.

If an insured does not report production, indicate unreported.

Processor Number/Name N/A.

Number of Trees/Vines N/A.

Total Production Enter total production as adjusted for production reporting 

purposes.

For unharvested acres, enter 0, unless there is an appraisal. 

Other N/A.

Insurability

Indicate whether production being reported is from insurable or 

uninsurable acreage.

Area Classification N/A.
November 2021 FCIC-18170 20

53 Required Elements of Production Report (continued)

ELEMENT REQUIRED INFORMATION:

Crop Year Enter the current crop year.

Multi Crop Year Reporting Reason N/A.

Acres

Enter planted acreage in acres for each year production is 

available in the total production column. Enter “0.0” if the crop 

was not planted for any year.

Yield Descriptor

Enter the appropriate yield type descriptor, see CIH Exh. 15V.

For unharvested acres, enter “UG.”

If the insured does not provide a production report, enter “UR.”

Yield Enter the appropriate yield (total production/acres).

New Producer N/A.

Added Land

New

Crop/P/T/TMA

N/A.

Insured Signature and Date Insured must sign and date production report.

(3) AIPs must obtain the insured's signature and the date of the signature; explain certification 

statements to ensure the insured understands what is being certified and the consequences 

of an inaccurate production report and certification.

54 Acceptable Production Evidence and Record Maintenance

The insured must maintain and provide upon request acceptable production records for each crop 

year to support the production report. Production records must be maintained for three years 

after the end of the crop year or three years after the date of final payment of indemnity, 

whichever is later. This requirement also applies to all such records for acreage that is not 

insured. See CIH Part 14 for production evidence and record retention requirements.

55 Verification, Review and Correction

The production report is subject to verification and AIP review. When the crop is selected for 

review, supporting evidence of acreage and production will be required by P/T for all crop years' 

acreage and production during the record retention period.

The production report will not be subject to the AIP field review process for that crop year if:

(1) the insured submits production evidence for all yields are being certified; and

(2) the AIP verifier reviews the information and determines it is acceptable. If the AIP verifier 

determines the production records are not acceptable or the yield does not appear 

reasonable, the AIP must verify the production information.
November 2021 FCIC-18170 21

56 Adjustments to Production

The adjusted production is entered in the total production column when actual yields are 

reported. Adjustments to production will be made on the same basis as a claim for indemnity 

for APH-based plans when such information is available on the acceptable supporting 

production records. See CIH Para. 1310A. for more information on adjusting production.

57-60 (Reserved)
November 2021 FCIC-18170 22

Exhibit 1

Acronyms and Abbreviations

The following table provides the acronyms and abbreviations used in this handbook not contained in 

the GSH.

Approved

Acronyms/Abbreviations

Term

ARC Agriculture Risk Coverage

FSA FN FSA Farm Number

PLC Price Loss Coverage
November 2021 FCIC-18170 23

Exhibit 2

Definitions

The following provides definitions used in this handbook not contained in the GSH.

Companion policy – Is a cotton policy issued under the CCIP-BP and ARPI-BP purchased from us in 

addition to the STAX policy. 

Coverage range – Is a percentage which represents the amount of the expected area revenue covered by 

STAX and which is contained in the actuarial documents. 

Liability – Is in lieu of the definition contained in the CCIP-BP, the liability of this policy will be the 

amount used to calculate your premium.

Payment factor – Is a factor that represents the production area wide loss as compared to the insured’s 

coverage range.

Planted acreage – Is in addition to the definition contained in the CCIP-BP, cotton seed broadcast and 

subsequently mechanically incorporated will not be considered planted.

Policy protection – Is the liability dollar amount of insurance provided by the STAX policy, calculated

in accordance with section 5(e) for each type and practice. 

STAX production report – Is a written record showing the insured’s annual production. The report 

contains yield information for the current year, including all planted acreage and crop production. The 

report must be supported by written verifiable records from a warehouseman or buyer of the insured 

crop by measurement of farm-stored production or by other records of production approved by the AIP 

in accordance with FCIC approved procedures.

STAX production reporting date – Is the date contained in the actuarial documents by which the 

insured is required to submit the production report.
November 2021 FCIC-18170 24

Exhibit 3

Reserved
November 2021 FCIC-18170 25

Exhibit 4

STAX Calculations Examples

In this exhibit is the calculations for the policy protection, area loss trigger, payment factor, and 

indemnity calculations for STAX.

Indemnities are calculated following release of the final area yield and harvest price as specified in the 

actuarial documents. If an indemnity is due, payment to the insured will be made no later than 30 days 

after release of the final area revenue.

Producer A farms 100 acres in county X. The actuarial documents in county X show that the expected 

area yield is 525 pounds per acre, the projected price is $0.72, and the expected area revenue is 

$378.00. From the actuarial documents in county X, Producer A elects a 90 percent area loss trigger 

and a 20 percent coverage range. Producer A selects a protection factor of 110 percent. Producer A 

has a 100 percent share.

At the end of the insurance period, for county X, FCIC releases a harvest price of $0.77, a final area 

yield for county X of 399 pounds, and a final area revenue for county X of $307.23.

A. STAX RP

(1) If revenue protection is elected the insured’s policy protection for each type and practice is 

calculated in the following steps:

Step 1: multiply the expected area yield by the higher of the projected price or harvest 

price;

Example: (525 lbs. * $0.77) = $404.25

Step 2: multiply the result of step 1 by the insured’s coverage range; and

Example: ($404.25 * 0.20) = $80.85

Step 3: multiply the result of step 2 by the protection factor.

Example: ($80.85 * 1.10) = $88.94

Step 4: multiply the result of step 3 by the number of acres;

Example: ($88.94 * 100) = $8,894

Step 5: multiply the result of step 4 by insured’s share in such acres;

Example: ($8,894 * 1.0) = $8,894

(525 lbs. x $0.77 x 0.20 x 1.10 x 100 x 1.0) = $8,894
November 2021 FCIC-18170 26

Exhibit 4

STAX Calculations Examples (continued)

A. STAX RP (continued)

(2) An indemnity is due if, for revenue protection, the final area revenue is less than the 

expected area yield multiplied by the higher of the projected price or harvest price and by 

the area loss trigger.

(a) The payment factor for revenue protection is calculated by:

Step 1: multiplying the expected area yield by higher of projected price or harvest 

price;

Example: (525 pounds * $0.77) = 404.25

Step 2: dividing the final area revenue by the result of step 1;

Example: ($307.23 / $404.25) = 0.76

Step 3: subtracting step 2 from the area loss trigger; and

Example: (0.90 - 0.76) = 0.14

Step 4: dividing step 3 by the coverage range to determine the payment factor, 

limited to a maximum of 1.000. 

Example: (0.14 / 0.20) = .700

(0.90 – ($307.23) / (525 pounds * $0.77)) ÷ 0.20 = 0.700

(b) Indemnities are calculated by multiplying the policy protection by the payment factor.

Example: ($8,894 * 0.700) = $6,226
November 2021 FCIC-18170 27

Exhibit 4

STAX Calculations Examples (continued)

B. STAX RP HPE

(1) If revenue protection with the Harvest Price Exclusion is elected the insured’s policy 

protection for each type and practice is calculated in the following steps:

Step 1: multiply the expected area yield by the projected price;

Example: (525 lbs. * $0.72) = $378.00

Step 2: multiply the result of step 1 by insured’s coverage range; and

Example: ($378.00 * 0.20) = $75.60

Step 3: multiply the result of step 2 by the protection factor. 

Example: ($75.60 * 1.10) = $83.16

Step 4: multiply the result of step 3 by the number of acres;

Example: ($83.16* 100) = $8,316

Step 5: multiply the result of step 4 by insured’s share in such acres;

Example: ($8,316* 1.0) = $8,316

(525 lbs. x $0.72 x 0.20 x 1.10 x 100 x 1.0) = $8,316

(2) An indemnity is due if, for revenue protection with the harvest price exclusion, the final 

area revenue is less than the expected area revenue multiplied by the area loss trigger.

(a) The payment factor for revenue protection with the harvest price exclusion is 

calculated by:

Step 1: Dividing the final area revenue by the expected county revenue;

Example: ($307.23 / $378.00) = 0.8128

Step 2: Subtracting step 1 from the area loss trigger; and

Example: (0.90 – 0.8128) = 0.0872
November 2021 FCIC-18170 28

Exhibit 4

STAX Calculations Examples (continued)

B. STAX RP HPE (continued)

Step 3: Dividing step 2 by the coverage range to determine the payment factor. 

Example: (0.0872 / 0.20) = 0.436

(0.90 – ($307.23 / $378.00)) / 0.20 = 0.436

(b) Indemnities are calculated by multiplying the policy protection by the payment factor.

Example: ($8,316 * 0.436) = $3,626