[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”header section” _builder_version=”4.21.0″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_direction=”112deg” background_color_gradient_stops=”#3fa9f5 1%|#3fa9f5 53%|rgba(255,255,255,0) 53%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/cftotalrewards.com\/wp-content\/uploads\/2023\/05\/401k-banner.jpg” background_position=”center_right” custom_margin=”0px||||false|false” custom_padding=”3.5vw||3.5vw||true|false” custom_padding_tablet=”2vw||2vw||true|false” custom_padding_phone=”3vw||3vw||true|false” background_last_edited=”on|phone” use_background_color_gradient_tablet=”on” use_background_color_gradient_phone=”on” background_color_gradient_stops_tablet=”#3fa9f5 0%|#3fa9f5 55%|rgba(255,255,255,0) 55%” background_color_gradient_stops_phone=”#3fa9f5 0%|#3fa9f5 52%|rgba(255,255,255,0) 52%” background_position_phone=”top_right” background_horizontal_offset_phone=”5%” global_colors_info=”{}”][et_pb_row make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.21.0″ _module_preset=”default” width_tablet=”” width_phone=”69%” width_last_edited=”on|phone” custom_margin_tablet=”” custom_margin_phone=”|||2em|false|false” custom_margin_last_edited=”on|desktop” custom_padding=”0px||0px||false|false” custom_padding_tablet=”2vw||2vw||true|false” custom_padding_phone=”3vw||3vw|0px|true|false” custom_css_main_element=”align-items: center !important;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”align-items: center !important;” custom_css_main_element_phone=”align-items: center !important;”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” custom_css_main_element=”display: flex;||flex-direction: column;||justify-content: center;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”display: flex;||flex-direction: column;||justify-content: center;” custom_css_main_element_phone=”display: flex;||flex-direction: column;||justify-content: center;”][et_pb_text content_tablet=”<\/p>\n
” content_phone=”<\/p>\n
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[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|phone” padding_top_2=”6px” padding_top_bottom_link_2=”false” padding_left_right_link_2=”false” _builder_version=”4.21.0″ _module_preset=”default” background_image=”https:\/\/cftotalrewards.com\/wp-content\/uploads\/2023\/03\/lower_tri-form_4.png” background_size=”custom” background_image_width=”31%” background_position=”bottom_right” custom_margin=”||||true” custom_padding=”35px||35px||false|false” custom_padding_tablet=”23px||0px||false|false” custom_padding_phone=”30px||||false|false” global_colors_info=”{}”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner _builder_version=”4.20.2″ _module_preset=”default” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.0″ _module_preset=”b4352afb-c3cd-4ce1-9c36-6a63d7e54b82″ text_font=”Montserrat|300|||||||” text_text_color=”#015846″ text_font_size=”27px” text_line_height=”1.3em” link_font=”|800|||||||” border_width_bottom=”0px” border_color_bottom=”#DAD7CB” border_style_bottom=”solid” locked=”off” global_colors_info=”{}”]<\/p>\n
CF Industries wants you to feel secure and prepared for life after your career.<\/p>\n
[\/et_pb_text][et_pb_text ol_item_indent=”1.6em” _builder_version=”4.27.5″ _module_preset=”74830f7f-6ee4-427a-8099-eb52e409ee42″ custom_margin=”||0em||false|false” custom_padding=”2px||0em||false|false” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″]To help you reach your long-term financial goals, CF Industries partners with Manulife to offer a variety of retirement benefits. To ensure that all members of the plan take full advantage of the company\u2019s contributions, CF automatically enrolls all new and eligible employees with a 6% contribution rate into their Defined Contribution Plan (DCPP) account. These elections can be updated by members at any time in their accounts with Manulife.<\/p>\n
All current and future employees can benefit from our retirement options. The automatic company contributions begin on your first full pay period following the start of your employment and require no action to be taken beforehand.<\/p>\n
Employees are eligible to contribute up to 75% of their eligible pay to their RRSP accounts in accordance with annual CRA limits into the plan. Employees can contribute up to 6% of their eligible pay to their DCPP accounts. Once the members\u2019 DCPP contributions reach the annual CRA limit,<\/p>\n
Employees are responsible for tracking their RRSP contributions.<\/p>\n
CF Industries contributes to your Defined Contribution account two ways:<\/p>\n
[\/et_pb_text][et_pb_code _builder_version=”4.27.0″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n
| Length of Service <\/th>\n <\/p>\n | <\/tr>\n <\/p>\n <\/p>\nLess than 5 years<\/td>\n | <\/p>\n <\/tr>\n <\/p>\n Less than 10 but more than 5<\/td>\n | <\/p>\n <\/tr>\n <\/p>\n Less than 15 but more than 10<\/td>\n | <\/p>\n <\/tr>\n <\/p>\n 15 or more years of service<\/td>\n | <\/p>\n <\/tr>\n <\/tbody>\n <\/thead>\n <\/table>\n [\/et_pb_code][et_pb_text disabled_on=”off|off|off” _builder_version=”4.27.0″ _module_preset=”74830f7f-6ee4-427a-8099-eb52e409ee42″ text_font_size=”14px” custom_padding=”2px||0.5em||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n *(not applicable to the Spousal RSP contributions).<\/p>\n [\/et_pb_text][et_pb_text ol_item_indent=”1.6em” _builder_version=”4.27.0″ _module_preset=”74830f7f-6ee4-427a-8099-eb52e409ee42″ custom_padding=”2px||0em||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n Eligible Earnings<\/h3>\nThe plan\u2019s eligible earnings are defined as one\u2019s base salary or wages paid by the company plus incentive pay. Eligible earnings exclude overtime pay and payments in lieu of vacation.<\/p>\n Vesting<\/h3>\nThe plan members are fully vested in all company contributions.<\/p>\n Employee Contributions At-a-Glance<\/h2>\n[\/et_pb_text][et_pb_code admin_label=”Life Insurance table” _builder_version=”4.27.0″ _module_preset=”default” custom_margin=”||10px||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n
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