Disability insurance for athletes

Submitted by Anonymous (not verified) on Mon, 05/24/2010 - 08:27

At times I wonder if there's disability insurance for the athletes too. I do come across so many of them at the college.

Posted: 25 May 2010 09:02 Post Subject:

Yes there are such programs. Have you heard of the atheletes belonging to the NCAA?

Posted: 26 May 2010 03:04 Post Subject:

This one is kind of tough, usually a case by case basis. It depends what professional level you are talking about, and what kind of athelete.

Posted: 26 May 2010 04:43 Post Subject:

Thanks a lot guys!

It depends what professional level you are talking about, and what kind of athelete.


I was just talking about the casual college athletes, most of whom I see are not serious about insurance. Don't you think they should apply for disability insurance coverage?

Posted: 27 May 2010 05:04 Post Subject:

Have you heard of the atheletes belonging to the NCAA?


Yes, there's this student athletes disability program designed specifically for the NCAA students. To get enrolled in this program, you'll need to fill out the quote form and hand it over to the administrator. Applications from the student or his legal guardian would only be accepted.

Posted: 28 May 2010 04:46 Post Subject:

I guess this program offers a permanent total disability coverage for 24 months. You'll probably be covered for illness or accident for a period of 24 hours.

Posted: 02 Jun 2010 09:10 Post Subject:

The "problem" inherent in "disability" policies (assuming we're talking about disability income) for student athletes is that they generally have little or no true income. So if they become totally disabled, what is their economic loss?

Not every athlete gets drafted into the pro ranks. So we can't really say anything about "lost future earnings" -- that's all hypothetical.

To offer to pay money to someone that has little income can create a "morale hazard" -- a matter of "bad attitude" that can cause a person to find a way to collect a benefit (or to prevent a benefit from ending) they really are not entitled to receive.

And if the student athlete has income derived directly from his participation in a sport, the NCAA has other things to say about that.

Posted: 27 Oct 2010 07:26 Post Subject:

Disability insurance athletes warrants life and health protection athletes at approach of following insured events:

* the time work incapacity which has resulted accident or a sports trauma. Insurance provision provides material compensation of a break of professional activity, medical and regenerative events;
* general and chronic diseases. Insurance provision provides preventive maintenance of diseases, medical and regenerative events;
* end of sports career owing to partial disability. Insurance provision provides material compensation of end of professional activity, rendering of assistance in reception necessary or additional education, employment, a training for a new profession, increase of professional skill in other sphere of action or in the given sphere, but in other status;
* end of sports career owing to complete work incapacity. Insurance provision provides material compensation of work incapacity, social both medical provision and rehabilitation.

Posted: 29 Oct 2010 01:03 Post Subject:

See . . . when Milfordct tries to come up with something original . . . it's nearly unintelligible.

"Disability insurance athletes warrants life and health protection?" Please!

Posted: 29 Oct 2010 06:52 Post Subject:

The typical student athlete can't get disability coverage. A student athlete who will be signing a professional contract can get coverage. It will take a specialty insurer.

Posted: 31 Oct 2010 05:01 Post Subject:

Student athletes who sign professional contracts are no longer student athletes.

Posted: 31 Oct 2010 04:52 Post Subject:

Max,

Reading comprehension is needed.

A student athlete who will be signing a professional contract is not the same as a student athlete who has already signed a professional contract.

The star basketball player who decides to come back to college for one more year instead of turning pro is still a student athlete and can get disability coverage.

Posted: 01 Nov 2010 01:06 Post Subject:

A student athlete who will be signing a professional contract is not the same as a student athlete who has already signed a professional contract.



So what's inconsistent with what I wrote? Please comprehend this:

Student athletes who sign professional contracts are no longer student athletes

Nothing you've written is incorrect nor is it inconsistent with what I wrote. Except that the act of actually signing a contract (compared to a letter of intent) prevents the athlete from playing at the student level.

Posted: 01 Nov 2010 05:19 Post Subject:

Yes, what you said is correct. It's also meaningless and isn't answering any question that has been asked. It's like saying that the color red starts with the letter "r".

The question is whether college athletes can get disability coverage. The answer is "Yes, it is possible."

Now, will the casual college athlete be able to get a policy? No. Will a college athlete with a strong possibility of being able to sign a pro contract able to get coverage? Yes.

Posted: 30 Nov 2010 08:14 Post Subject:

I almost wonder if Reggie Bush would have been covered while he was going to USC and that whole scandal.

Posted: 02 Dec 2010 10:36 Post Subject:

Any athlete who will be signing a big fat contract would be foolish to not have coverage. The star running back is one hit away from never getting that pro contract.

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