Leaving CF

Whether you are pursuing career opportunities or simply taking a step back from the workforce, there is information you’ll want to know to act upon leaving.

What to Expect When You Leave

• Medical, Dental and Vision Coverage:
  • This coverage ends on your last day of work.
  • In most cases, coverage can be continued under COBRA for up to 18 months or you may qualify for Retiree Medical coverage.
• Flexible Spending Accounts (FSA):
  • You have 90 days from your last day of employment to submit eligible claims for reimbursement via netbenefits.com.
    • Note: This is the same as the Dependent account
  • Continue to file health claims through the end of the year in which you leave if you continue to contribute to your Health Care Flexible Spending Account (FSA) under COBRA.
  • Your Dependent Care Flexible Spending Account (DCFSA) participation ends on your last day of work.
• Disability and Life Insurance:
  • Short-Term and Long-Term Disability ends on your last day of work.
  • Basic and Supplemental Life and Accidental Death and Dismemberment (AD&D) Insurance ends on your last day of work.
    • You may be able to transition coverage to an individual policy. Contact New York Life at 888-737-3855 for more information.
  • 401(k) Plan
    • To apply for a distribution, log in to netbenefits.com or call Fidelity​ at 800-835-5095.
    • If the vested value in your account is $1,000 or less when you leave, you may not leave it in the Plan. If you do not elect a distribution, your total vested balance will be paid to you within 90 days after your employment ends.
    • If the vested value in your account is more than $1,000 but less than or equal to $5,000 when you leave, you may not leave it in the Plan. If you do not elect a distribution, your total vested account balance will be rolled to a Fidelity Individual Retirement Account (IRA) within 90 days after your employment ends. Your account will be invested in the Fidelity Treasury Only Money Market Fund.
    • If the vested value in your account is more than $5,000, you may request a distribution or leave it in the Plan. If you leave the vested value in the Plan, the IRS requires for you to receive minimum distribution payments no later than April 1 following the calendar year in which you reach age 70½.
  • Other Benefits
    • Tuition Reimbursement, Dario and Strive eligibility end on your last day of work. If you leave CF within 12 months of receiving tuition reimbursement, you will be required to repay the full amount within 30 days of your departure.
    • You may continue to use the EAP, if necessary, for up to 12 months after leaving CF Industries.
    • To redeem your 2024 points for rewards, you must complete your order via the reward cart by January 24, 2025. It is your responsibility to redeem points before leaving the business for any reason, as you will no longer have access to Strive upon separation from the company.
  • Vacation Time
    • You receive pay for any unused vacation time computed as of your last day of work.
  • Pay Slips and Tax Documents
    • You may access Workday for up to three years following your exit from the company to view and print your pay slips, as well as ADP self-service for important tax documents that you may need to reference later.