Published May 13, 2023, 2:08 a.m. by Bethany
No Contract, No Insurance: nfl Players Battle For Benefits
In the National football League, there is no such thing as guaranteed contracts. Players can be cut at any time, for any reason. And while they receive a base salary and signing bonus when they first join a team, that money is not guaranteed. If they are cut, they get nothing.
This system puts a lot of pressure on players to perform at a high level, and it also puts them at risk of getting injured and not being able to earn a living.
To protect themselves, some players have started to purchase their own insurance policies. This way, if they do get injured, they will at least have some financial security.
However, these policies are not cheap. And because the nfl does not provide any kind of long-term disability insurance for players, many of them are forced to rely on the goodwill of their teams and the league to help them out financially if they get hurt.
This system is not ideal, and it puts a lot of pressure on players to stay healthy. But it is the reality of the situation. And until the nfl changes its policies, players will continue to purchase their own insurance policies to protect themselves and their families.
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I was able to look at the general
manager team and say you know go
yourself like you know and you know I'm
like I'm leaving you know this is it I'm
done Nick this is the defining moment I
will never play football in this league
again and when I think of my teammates
who didn't have the education who don't
have the support system we didn't have
the other career opportunities that I
did they would have foolishly signed
that piece of paper and a lot of them
did you know and now they're broke and
now they're hurt and now they have no
means you know by which to support
themselves and they are totally screwed
I have horrible memories like where I've
run in and hit a guy at a wrong angle
and my neck just twists a little bit and
all of a sudden you know I knew what I
did you know shooting pains down my arms
into my leg not only would I want to
block the guy in front of me but it was
like I got to get out of here you know
in one piece like how am I'm looking at
the clock you know not thinking how much
more times left till we win this game
it's like how many more snaps do I have
to take and can I bite down you know on
my lip hard enough to try to make it
through these you know before before my
arms fall off and I bought into the
system with everything I had so much so
right away that I would have taken
probably anything that they put in front
of me and I had complete trust in the
medical staff you know by three years in
where I knew exactly how to like load my
doses you know I take 200 milligrams of
I excite ache you know 400 milligrams of
naproxen sodium you know after games and
stuff you go all the way to the
injectables you know where they would
shoot you up with toradol
I had a rack of orange bottles on my
counter that looked like something an
8-year old heart patient would probably
take every day
in football very little guaranteed you
know there's some signing bonuses but
most those contracts are you know you
get paid to play you know you don't get
paid to get hurt you don't get paid to
sit in on the training room sometimes
it's a garbage bag and a security guard
at the gate of the facility and says you
know I need your parking pass here's all
your stuff you know like the next day I
go to the doctor because I was hurt and
they were like yeah you don't have
coverage so my coverage ended you know
the minute I got pushed out of the
locker room you know and handed all my
stuff and it was over I mean there's no
you know there's no here's what you do
now here's what you do next you know
it's it's you're done and they've you
know tried to strong-arm me into an
injury settlement taking a few thousand
dollars you know when I have a contract
that's worth hundreds of thousand
dollars and I have medical bills you
know and I've you know I was put in a
room and told you know and this is the
other part of you kind of the collusion
that goes on here is if you know coach
has been the league for 40 years looks
you dead in the face and says you need
to sign a piece of paper or you know
I'll call every team and make sure you
don't play again I know everybody in
this league I mean that the deal they
offered me was wouldn't have covered the
cost of a single MRI and I would have
waived my life to my medical insurance
forever for a neck injury for $10,000 it
wouldn't cover ten minutes of having a
specialist look at it and you know
luckily I was in a position where you
know I had had a great education I had a
strong you know family there support me
and I was able to look at the general
manager team and say you know go
yourself like you know and you know and
I'm like I'm leaving you know this is it
I'm done Nick this is the defining
moment I will never play football on
this league again yeah I mean the the
concept of a multi-billion dollar
business trying to remove you know a
right that every worker has to win a
workman's comp in every state to
specifically say that football is exempt
from that which they pass now in a few
states it's completely insane that these
guys are profiting you know hundreds of
millions of dollars a year and they're
worried about paying for you know the
same insurance that we make a guy who
gets up on a ladder and paints a house
has to get for his workers that they're
unwilling to pay for that and I got you
know worker and Scot benefits you know
in the state of Georgia you know it was
like 700 bucks a month for
like 40 months the only bridge that a
league minimum making player had to like
get my stuff in a moving truck and get
to like a city where I'd luckily found a
job you know for them to say that you're
not disabled at all they cut you from
the team because you're injured and then
turn around and say but you're not so
injured that you deserve any
compensation for getting hurt while
doing your job it's unbelievably greedy
it's sleazy dirty and greedy
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