NFL Player Benefits
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NFL PLAYERS ASSOCIATION BENEFITS BOOK For more detailed information on your The Benefits Book provides a broad benefits, please feel free to access your overview of certain provisions within the BENEFITS benefits at mygoalline.com. Under the current Collective Bargaining Agreement (CBA), legal NFL Collective Bargaining Agreement, the NFL plan documents, and trust agreements. As an BOOK Players Association negotiated the following unofficial outline of your benefits, this booklet benefits: Group Insurance Plan, Severance, is meant only as an informative resource. Health Reimbursement Account, Player Even though every effort has been made to The Benefits Book serves Annuity Program, Second Career Savings Plan ensure the accuracy of this book, the CBA as a general guide to your “401[k]”, the Bert Bell/Pete Rozelle NFL Player and official plan documents always have the Retirement Plan and Plan 88. final say on the rules of the plans. For further Insurance Package and your information on your benefits, please contact Post-Career Financial Plan. the Benefits Department of the NFLPA at (800) 372-2000. Please note that each plan has separate eligibility requirements. With exception to the Insurance Package and the Disability portion of the Bell/Rozelle Plan, all benefits are based on attaining a specific number of Credited Seasons. A Credited Season is defined as any season in which your name appears on the Active, Injured Reserve (IR) or Physically Unable to Perform List (“PUP”) in three or more regular-season or post-season (excluding the Pro Bowl) games. Additionally, a Credited Season may be earned if you have been released injured and paid the equivalent of at least three game checks. To be eligible for benefits under this Plan, When Does Your Coverage Begin? The NFL Player you must be a player with a Qualifying Benefit Your life, accidental death and dismemberment Insurance Plan Status of: (AD&D), medical and dental coverage is effective on the day of the first regular or post- • Active season game that you have a Qualifying Benefit Eligibility • Inactive Status, except as follows: • Reserve/Injured If you are a rookie, then your life insurance coverage is effective on the first day you report • Reserve/Physically Unable to Perform to pre-season training camp. • Practice Squad If your prior coverage under this plan ended, then life, AD&D, medical and dental coverage is effective on the earlier of: • the day you report to pre-season training Coverage for you and your eligible dependents camp, or begins when you have: • the day of the first game that you have a • met the eligibility requirements as stated qualifying benefit status. above and If you are a dependent of either of the above, • completed the enrollment process. then your medical and dental coverage is You are eligible for group insurance coverage effective on the later of: for the year if you are paid all or part of your • the day the player becomes eligible for salary due to an Injury Settlement, or Injury coverage, or Grievance. • the day you become a dependent of a covered player. myCigna.com Designed exclusively for the NFL Player Insurance Plan. Access valuable online resources for improving your health and well- being. Highlights of Your Life Insurance Benefit Your Life Insurance Benefit Amounts # OF CREDITED SEASONS 2011-2020 LEAGUE YEAR 6 or more C.S. $1,600,000 5 C.S. $1,400,000 4 C.S. $1,200,000 3 C.S. $1,000,000 2 C.S. $800,000 0 - 1 C.S. $600,000 You must choose a beneficiary who will receive benefits if you die while covered by the Plan. You may change your beneficiary at any time by completing a Life Insurance Beneficiary Designation form. There are additional benefits available for accidental death and dismemberment. Your Eligible Dependents may also be determines to be mentally or physically Are Your covered by the medical and dental programs. incapacitated before age 19 Eligible Dependents are as follows: Dependents Eligible • In case of marriage, birth or adoption, you • Your spouse, must enroll your new dependent within 31 days for Coverage? of the event to begin coverage. • Your child, meaning your natural child, legally adopted child, child for whom you become legally obligated for support prior to adoption, child for whom entry of an order granting custody or legal guardianship to you has been made, and stepchild who lives in your household provided this child meets all of the following conditions: • the child is younger than age 26 • the child is claimed as a dependent on your federal income tax return, or a Qualified Medical Child Support Order (QMCSO) requires you to cover the child • your unmarried children of any age who depend on you for support and whom CIGNA Healthy Babies Program: Since many related out of pocket medical expenses. Your Plan provides players are starting families, early care is vital If you enroll during weeks 15 through special features to securing the health of expectant mothers 28 of pregnancy, you will be eligible for and babies. In order to promote good health reimbursement of up to $300 for out-of-pocket to deal with your for mothers and their babies, this plan aims expenses related to pregnancy. to identify high-risk pregnancies and prevent unique needs. Some premature births. NFL Personal Health Care Team This program provides without charge examples are: In order to participate, you or your spouse must contact the customer service center confidential, personalized support and at 800-NFL-9671 (800-635-9671). If you information to help you manage many chronic enroll in Healthy Babies during the first 14 conditions, including asthma, heart disease, weeks of pregnancy, you will be eligible for low back pain, COPD, diabetes, depression, reimbursement of up to $600 of pregnancy- and weight complications. Participants receive professional help in developing a personalized program for managing a chronic condition in the most effective possible way. Participation is completely voluntary. You may be contacted directly by Cigna, if experts determine the program could benefit you, or you may call 800-635-9671 for more information. MEDICAL AND DENTAL COVERAGE The medical and dental programs are designed to cover the majority of your healthcare expenses. However, you are responsible for certain costs. Your Payment Responsibilities • Charges related to maternity and pregnancy • Diagnostic and preventive services: (including the first sonogram) includes routine checkups, x-rays, and other The Deductible dental maintenance After you or your Eligible Dependents have • Physician charges paid a Plan Year Deductible, the Plan will pay • Basic services: includes fillings, removing • Skilled nursing facility charges MEDICAL AND DENTAL COVERAGE a percentage of all Reasonable and Customary teeth, and root canal therapy Charges for medically necessary services that • Hospice charges • Major services: includes crowns and are covered by the Plan. • Home health care services bridges Coinsurance • Organ transplants You are obligated to pay Coinsurance (the When Coverage Ends percentage of covered charges that the Plan • Other Services, such as prescription drugs Non-vested players who are released or does not pay) and any amounts in excess of otherwise sever employment will continue This is not a complete list of covered services. Reasonable and Customary Charges. to receive Medical, Dental, Life, and AD&D Consult the Plan document or contact the coverage until the first August 31st following What the Medical Program Covers customer service center at 800-NFL-9671 (800- release or severance of employment. Your The medical program covers the following 635-9671) if you have any questions. eligible dependents’ coverage will end the services (subject to the terms and conditions of What the Dental Program Covers earlier of the date your coverage ends or the the plan): The dental program covers the following date they no longer meet the requirements of • Inpatient hospital services services (subject to the terms and conditions of an eligible dependent. • Emergency services the plan): CONTINUING COBRA continue this insurance coverage there may be no When your coverage ends, you can continue breaks in time in this insurance coverage. your medical and dental coverage under the VETERANS COVERAGE Additional Information Consolidated Omnibus Budget Reconciliation If you have additional questions about your Act (COBRA). If you have questions concerning Vested players, due to their benefits, please call the customer service center your insurance claims, please call the customer Credited Seasons under the at (800)635-9671. service center at (800) 635-9671. Retirement Plan, will be Extended Post-Career Medical & Dental provided with 5 years of Insurance Coverage additional medical & dental If you are vested due to Credited Seasons under the Retirement Plan; have a Credited coverage. Season in 2011 or thereafter; and have completed your COBRA continuation coverage you will have the option to continue insurance coverage on the same terms as if COBRA had not expired, at your own expense. In order to General Information How much severance pay will you NFL PLAYER Severance pay is paid to you in a lump sum receive? payment at the end of your career. The amount You receive $10,000 per year for Credited depends on the number of Credited Seasons Seasons 1993-1999, $12,500 per year for SEVERANCE you earned. 2000-2008, $15,000 per year for 2009 and How many Credited Seasons do you 2011, $17,500 per year for 2012-2013 and PLAN need to be eligible to receive a severance $20,000 per year for 2014-2016. payment? What if you have Credited Seasons Two Credited Seasons. between 1989 and 1992? Once you have earned two Credited If you have a Credited Season between 1989 Seasons, when are you eligible to receive and 1992, you will receive $5,000 per season, a severance payment? provided you have a Credited Season within Upon separation of service from football.