NFL Players Disability Insurance Policy Explained

The NFL players’ disability policy is one of the more complex insurance policies in regards to all of the terms and conditions that are in it. There were some significant changes that were implemented to this policy around May 2020. Mainly, it was the fact that NFL players will be going from a maximum benefit of around $22,000 a month as a maximum in the event that they were qualified for disability to what now appears to be a maximum of $4,000.

This is a significant cut that minimizes the value of this particular policy, considering the fact that NFL players make very significant salaries and put themselves at risk throughout their careers. In addition, they encounter injuries while playing and then subsequently, later in life, as a result of these injuries, are unable to do any work at all due to their disability.

There are many different aspects of this, and in the video above and article below, attorney Stephen Jessup touches on some of the key points to consider when filing a disability claim as an NFL player. The facts and circumstances are different for everybody depending upon years of service that you’ve been in the league, how many credits you’ve obtained, the type of injury you had, whether you were injured while playing or not playing, neurocognitive disorders, a lot of concussion cases, and so on. However, you will find several helpful pointers and tips on how to best navigate your disability insurance policy and what can you do to make sure your NFL disability claim is handled as best as possible.

Filing a Disability Claim as an NFL Player

When an NFL player is looking to see if they’re going to be able to file a disability claim, the first most important thing is to determine what is going on medically. The definition of what the medical problem is and what is the strength of the medical information supporting the benefit entitlement will be the deciding factor. Any time you’re looking at a disability claim, regardless if it’s through the NFL plan, social security, or through any insurance company, medical is always the first thing that gets evaluated.

NFL player disability insurance claim

Is it going to raise to a level of impairment? In addition, there are other factors that this policy requires in order to be eligible for the benefits. First and foremost, however, it’s always going to be the medical diagnosis and the strength of the medical records and treatment.

How Is the NFL Policy Unique?

The medical records you submit are going to be analyzed very thoroughly, whether it’s an initial application or it’s a claim that’s been denied and you’re handling an appeal. Ultimately, it is going to be decided by the NFL. They have a board that reviews everything; generally speaking, if social security disability has approved you, you’re going to be approved for total and permanent disability.

However, there are caveats where four members of the board review all the information and they determine that they don’t think you’re disabled despite having social security disability. They can then deny you the total and permanent disability benefits under the NFL’s plan.

Once a claim has been denied and you submit an appeal, the board from the NFL is going to be required to review all of the additional evidence. They will look at everything that’s going to be submitted, because it may have been in the initial application providing the information; perhaps there were items that were missing. You have to take a look at perfecting it, just like most insurance companies, and there is going to be a reliance on their own doctors more than anything.

There are some changes that are coming to this plan following a recent collective bargaining agreement mentioned earlier that’s going to impact this even worse, where they don’t have to give weight to social security, and it’s just going to be, essentially, their own internal analysis and review of your medical records.

That is a tremendous change in the policy, because we know the national statistics that with social security disability claims, only 15% of the people who initially apply for these social security benefits get approved. So it’s already an extremely high threshold to get social security disability. The NFL players’ policy used to say, if you got approved for Social Security disability, we’re going to accept that, and then you’re going to get approved for our benefit. This basically put the burden on the government to do the work for them and say whether or not the person was unable to do any occupation.

Now, they are saying it’s not enough, and we are going to do it on our own. Somewhere along the lines, the NFL felt that the government (which is hard to believe for Social Security disability, knowing what we know about how many people get denied) was not doing a good enough job, and they felt that from now, they were going to do it on their own.

It certainly wasn’t costing them any money to have Social Security review the file for them. However, now, they feel that by doing it on their own, it’s going to be a method where they’re going to deny even more NFL players than were potentially eligible for the policy, which is a big concern.

The other factor to consider in this policy is the total and permanent disability threshold they have, which is unique. A lot of disability policies that we handle for most employees in other industries have an elimination period where they say, within 90 or 180 days, if you’re totally disabled, then you’ll be eligible. But the NFL policy is very unique in the sense that they talk about a permanent disability and that that permanent disability is similar to Social Security.

Is the Disability Claim Approval Permanent?

If you get approved initially, it does not necessarily mean that they’re going to approve you forever and you will have to continue to prove that you are still disabled.

There is no consistency in how they’re going to continue to pay benefits – we have received calls for denials following being on claim – and there are also other state income components. This NFL plan has three different types of disability claims, but on its total and permanent disability, they also talk about how you can earn up to $30,000 a year and still get benefits.

There is a weird gray area in ways where they can find grounds for denying, because it’s an idea of permanence, and it’s really left open as to how they may interpret it. There may also be future changes, as the collective bargaining agreement and the NFL Players Association are revisiting provisions of this policy.

Can You Still Work Outside Your Role as an NFL Player and Continue Receiving Benefits?

When it comes to the total and permanent disability component of this disability policy (not the line of duty section of this policy), the fact is that many players get out of the league and end up doing other jobs, whether it’s coaching or retraining to get another career. Most NFL players are ending their careers sometime in their 20s, if not early 30s, and they don’t make these claims until they’re in their mid forties or even years after.

For an NFL player to get support and prove to the NFL doctor review board that these are the particular reasons why they have been able to work for this many years, and this is the particular reason why now they cannot work at all, it all comes down to documenting the medical issues.

In a lot of ways, it’s going to be like any other disability insurance policy and claim. It does happen a lot: people work with injuries for a period of time, and as they age, a lot of the injuries that caused a disability from former players get worse. When you are younger and play in the NFL, your genetic potential is definitely much better than the average person’s, you have a higher pain tolerance, but with age, you will succumb to the body’s natural deterioration and the exacerbation of those problems.

So it’s very important to document that you have had these problems for this many years and you were able to work, but it has gotten worse. It’s key to work with the doctors and make sure your medical records are documenting the problems that you’re having, how they’re impacting you in a work setting, and also in your activities of daily living. Building that record is crucial because ultimately, it’s always going to be your medical records that are going to get scrutiny more than anything.

If you don’t have a strong medical file, it’s going to be that much harder to receive benefits. In addition, a lot of former NFL players get into other industries – insurance, finance, wherever the case may be -and a lot of times, they may even have group disability providers’ insurance policies through those employers. So it may be that you have multiple claims that can be made at any given time; if you are a former player, don’t just think about the policy you’re carrying as a former NFL player, but other insurances you may have through your current employer as well.

One of the things within the NFL player policy proposed with this new change coming in April of 2021 is that Social Security Disability is going to be a deduction from the benefit. So if the benefit does indeed go to $4,000 and an NFL player qualifies for $2,500, now, they’re looking at maybe $1,500 from this policy, and they could have worked for another employer who has group coverage, which could also be a setoff.

Unfortunately, it appears this entire NFL policy is extremely controversial, and there are some people whose benefits may be affected as of possibly 2015 and later who didn’t file until after that date.

There are a lot of technicalities that we’re happy to discuss with you: no matter what stage of your claim with the NFL players policy, feel free to call us and we will be happy to provide you with an initial free consultation. We represent NFL players all over the country, and we look forward to the opportunity to discuss your potential claim with you.

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Disability Company Reviews
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Showing 8 of 642 Reviews
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
Sedgwick

Lame

Reviewed by Dennis T. on December 11th 2023   Verified Policyholder | March 2022 date of disability
My experience with Sedgwick and personell is as follows: Unhelpful, unprofessional and an overall unpleasant experience.
Unum

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
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This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This ca... Read More >

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The case of Jose Chavez v. Standard Insurance Company has quite a history with the United States District Court for the Northern Dis... Read More >

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Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

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Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

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Who are Dell Disability Lawyers?

We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.

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Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

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Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, GoToMeeting sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.