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 basic Long-Term Disability (LTD) at no cost to you. You automatically receive this coverage on your first day of employment. You also have the option to increase your LTD coverage by electing Supplemental LTD.
| Coverage | Coverage Details* | Cost |
|---|---|---|
| Short-Term Disability |
Covers 100% of your base salary for up to eight weeks and then 66 2/3% of your base salary for up to 18 weeks** |
Salary continuation covered by CF Industries |
| Long-Term Disability | ||
| Basic Coverage | Covers 60% of your base salary (up to a maximum monthly benefit of $5,000) after 26 weeks of disability | Premium paid by CF Industries |
| Supplemental Coverage*** | If you choose to purchase buy-up LTD coverage, this covers 60% of your base salary (up to a maximum monthly benefit of $10,000) after 26 weeks of disability. | $0.218​ per $100 of monthly base salary; premium is deducted from paycheck. |
*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.
***Enroll any time within 30 days following the date you become eligible for coverage. If you decide to enroll later, you will be required to provide Evidence of Insurability (EOI).