[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”header section” _builder_version=”4.20.2″ _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\/disability_banner.jpg” background_position=”top_right” background_vertical_offset=”28%” 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 60%|rgba(255,255,255,0) 60%” background_color_gradient_stops_phone=”#3fa9f5 0%|#3fa9f5 57%|rgba(255,255,255,0) 57%” background_position_phone=”center_right” background_horizontal_offset_tablet=”60%” background_horizontal_offset_phone=”49%” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.20.2″ _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=”0px||||false|false” custom_padding_phone=”0px|||0px|false|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=”1_2″ _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
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[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/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=”4.20.2″ _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||0px||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=”4.20.2″ _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=”{}”]Protect your income from the unexpected.[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”74830f7f-6ee4-427a-8099-eb52e409ee42″ custom_margin=”||3em||false|false” custom_padding=”2px||20px||false|false” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
CF provides a Group Income Protection scheme through Unum. Subject to stringent compulsory medical assessment, it provides financial benefit and rehabilitation support if you are unable to work because of long-term illness or injury preventing you from working. The Group Income Protection scheme covers all employees aged 16 to State Pension Age for a defined period of time.<\/p>\n
The benefit is a proportion of your salary and is payable after you have been off work because of illness or injury after your sick pay has been exhausted. Payments will be equal to 55% of your salary, less the value of sickness related state benefits\u00a0<\/strong>for a maximum period of 60 months. We will make payments to you as part of the regular payroll run.<\/p>\n [\/et_pb_text][et_pb_code disabled_on=”on|on|on” admin_label=”Life Insurance table” _builder_version=”4.27.2″ _module_preset=”default” custom_margin=”||10px||false|false” disabled=”on” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n <\/p>\n <\/tr>\n <\/thead>\n <\/p>\n <\/p>\n <\/p>\n <\/tr>\n <\/p>\n <\/tr>\n <\/p>\n <\/p>\n <\/p>\n <\/tr>\n <\/p>\n <\/table>\n [\/et_pb_code][et_pb_text disabled_on=”on|on|on” _builder_version=”4.27.2″ _module_preset=”8c6d1b2c-ca87-4458-9cd5-3a574a62b1a8″ custom_padding=”2px||12em||false|false” disabled=”on” locked=”off” global_colors_info=”{}”]*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.<\/em><\/p>\n **STD benefits will be reduced by any workers compensation, state or statutory benefits you receive while you are on STD. <\/em><\/p>\n ***Certain job levels are eligible for a maximum benefit of $20,000 per month.<\/em>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.4″ _module_preset=”b2730c0e-8c33-4505-b6a9-5d28397b6c05″ locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n <\/p>\n
<\/p>\n <\/p>\nCoverage<\/th>\n Coverage Details*<\/th>\n Cost<\/th>\n <\/p>\n Short-Term Disability<\/td>\n 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 ** <\/td>\n Salary continuation covered by CF Industries<\/td>\n <\/p>\n Long-Term Disability<\/th>\n <\/p>\n Core Long-Term Disability (LTD)<\/td>\n 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.***<\/td>\n Premium paid by CF Industries<\/td>\n <\/tbody>\n Contact Information<\/h2>\n