Disability Coverage
Protect your income from the unexpected.
Disability coverage helps replace a portion of your income if you are unable to work due to a covered illness or injury. CF Industries provides Short-Term Disability (STD) and Core Long-Term Disability (LTD) at no cost to you. You automatically receive this coverage on your first day of employment.
Coverage | Coverage Details* | Cost |
---|---|---|
Short-Term Disability |
After a five-day waiting period, the Plan pays 100% of your base salary for up to eight weeks, then 66 2/3% of your base salary for another 18 ** |
Salary continuation covered by CF Industries |
Long-Term Disability | ||
Core Long-Term Disability (LTD) | Once your Short-Term Disability benefits are exhausted, Core Long-Term Disability Insurance pays benefits equal to 60% of your base salary, up to a maximum of $10,000 per month.*** | Premium paid by CF Industries |
*For purposes of STD and LTD coverage, base salary is your regular salary or wages assuming you work 2,080 hours per year. Base salary does not include overtime, bonus pay, incentive compensation or any other type of pay or allowances.
**STD benefits will be reduced by any workers compensation, state or statutory benefits you receive while you are on STD.
***Certain job levels are eligible for a maximum benefit of $20,000 per month.