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7 Dec 2017 at 02:51pm
Sources revealed Wednesday that Clemsons Deshaun Watson?has taken out?two insurance policies against a career-ending injury: a $5 million total disability policy and a $5 million loss of value policy.The reality is, players rarely end up receiving a payout, even after theyve sustained an injury. And when they do get paid, its still unclear whether the IRS has dibs on a cut of the money.Heres a primer on how these policies work:What is a total disability policy?It protects a player should he become unable to play football again because of an injury. This covers an injury on or off the field, usually from the time a player signs the policy until the following football season. The only reason something wouldnt be covered is if theres a pre-existing injury; the insurer might specify in the policy that the player would not be covered if the same injury occurs again.A player can attempt to come back from an injury and still collect, but in general, policies wont pay out if hes able to play in more than four games following the injury.A player cant just decide that he cant play. A doctor, sometimes one from the players side and one from the insurers side, must agree that is the case.What is a loss of value policy?It is an attachment to the disability policy. It projects where a player is supposed to go in the draft and then provides for a payment up to a specific amount, should the player fall in the draft order because of an injury.A player can get paid a small amount if he doesnt slip far, or the whole amount, as Ifo Ekpre-Olomu received when he was projected to be a first-round pick and an injury caused him to slip to the seventh round. Someone who didnt collect in this years draft was Myles Jack, who fell to the 36th overall pick, but only would have started to collect money at Pick 45.The loss of value must be associated with an injury. Theres no coverage for falling in the draft due to other issues. ?What do these policies cost?A rule of thumb is about $10,000 for every $1 million in coverage. Previously, the NCAA helped secure a loan for the premium, which would be paid by the players family, but a couple of years ago, that changed when it was discovered that schools were allowed to take out the policies themselves.Sources said that Clemson took out a policy for Watson through International Specialty Insurance, which has established itself as the leader in the space, especially when it comes to offering loss of value.How often do players collect?Not too often on total disability. It has happened only a handful of times in the past 15 years. Loss of value collection has occurred more often. Players who have collected over the years include Ekpre-Olomu and Jaylon Smith, who will collect a lump sum of $900,000 after slipping in this years draft.In March 2015, USC wide receiver Marqise Lee sued his insurer, Lloyds of London, when he slipped in the 2014 draft, claiming he was owed $4.5 million. But Lloyds argued that at the time he signed his policy, Lee had an injury that he didnt disclose. The two sides agreed to settle the case for an undisclosed amount this May.And in case youre wondering, when there is a payout, all of the money goes to the player. None of it goes to the school.When a player collects, is it tax free?When a player pays for a premium up front or takes out a loan to pay it, it is tax free. When the school pays for the premium, its not yet clear. The IRS hasnt formally ruled on whether taxes have to be taken out of the lump sum collected because the player didnt pay for the premium to begin with.Why do schools pay?This is now a good way for a school to keep a player who might be scared to return. In other words, the school is saying, if you hurt yourself, weve got your back. Nike Air Max From China. Uniteds eighth defeat of a wretched campaign means Liverpool, which currently occupies the fourth and final Champions League place, could go nine points clear of its fierce rival by beating West Bromwich Albion on Sunday. Charlie Adam scored both of Stokes goals at Britannia Stadium either side of Robin van Persies equalizer, with a miserable day for seventh-place United capped by first-half injuries to centre halves Jonny Evans and Phil Jones that forced them off. Sale Air Max 2018. Still, Brewers manager Ron Roenicke thought taking him out before the fifth inning was an unusual move. "Im looking up at the board and hes got two hits given up and one run, and Im taking him out after the fourth inning," Roenicke said. www.airmaxchina.com/ /a>. Miikka Kiprusoff had just announced his retirement after a decade-long run in Calgary and it would be up to Berra and Ramo to fill the void. Nike Air Max 2018 Discount. There was no hesitation from the 40th-ranked Pospisil, from Vernon, B.C., who admitted that he cut back on his training sessions over the last few days to conserve energy as the long ATP season finishes next week at the Paris Masters. Womens Air Max 2018. Meanwhile, there were huge victories for Sunderland and West Ham over fellow relegation rivals, leaving the battle to avoid the drop up for grabs with the bottom 11 teams separated by just six points. Eden Hazard and Fernando Torres scored second-half goals to seal a fourth straight victory for Chelsea, which climbed above Arsenal and Manchester City in the standings ahead of their games on Monday and Sunday respectively.Graeme Souness was left in awe of Leicester City after their spirited 1-1 draw at Manchester United moved them to within two points of the Premier League title. Claudio Ranieris men travelled to Old Trafford on Sunday knowing victory would seal an unprecedented maiden top-flight crown, but they had to withstand an early onslaught from the hosts, who were looking to strengthen their bid for Champions League qualification.Anthony Martial established Uniteds dominance on eight minutes, stroking Antonio Valencias cross beyond Kasper Schmeichel, but - as they have done so often throughout their remarkable campaign - Leicester hauled themselves back into the game through captain Wes Morgan. The result means Leicester will be crowned champions if second-placed Tottenham fail to win at Chelsea on Monday Night Football, and Souness was left to praise a performance he felt typified the Foxes season.Its incredibly hard to be anything other than utterly complimentary about this team, Souness told Super Sunday. How many Leicester players at the end of last season were negotiating clauses in their contracts in case they qualified for the Champions League, or won the Premier League? None of them!Their bonus would have been for avoiding relegation. Its really hard not to be totally in awe of this team. Morgan admitted Leicester had to work very hard for a point It was a typical Leicester performance today.dddddddddddd Theyve ended up with 30 percent possession yet, watching the game, it didnt feel like that.Theyve come to one of the worlds greatest football stadiums today and were not intimidated. They went a goal behind and showed real character and togetherness to get back into it. It’s really hard not to be totally in awe of this team. Somehow they come up with a way of getting a result. Graeme Souness on Leicester City United were fabulous for a good half an hour but after that, Leicester came back. The so-called smaller team fell behind to the bigger team but, to a man, none of them threw the towel in.You could see them grinding themselves back into the game and in the second half, they were the better team. That 90 minutes typifies what Leicesters season has been all about. When adversity comes, they deal with it. Somehow they come up with a way of getting a result.Watch Chelsea v Tottenham live on Monday Night Football, 7pm, Sky Sports 1 HD Also See: United make Leicester wait As it happened Souness: Fellaini wont escape ban Ranieri: I wont be watching Wholesale Jerseysγ€€ Cheap NFL Jerseysγ€€Wholesale Jerseysγ€€Authentic Jerseys From China Wholesale Jerseys Wholesale NFL Jerseys ' ' '

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