Are Injured College Players Eligible For Social Security Disability Insurance?

There is always risk when playing sports — especially at a near-professional level on a prestigious school’s high-profile team. These injuries might be minor or they might be catastrophic and career-ending. Some sports are more inherently dangerous than others: those who play rugby or football are much more likely to suffer serious injury than a soccer or basketball player. What financial protections are in place for college athletes who get injured?

In general, a person who suffers a debilitating injury would simply file a claim for social security disability insurance (SSDI). But here’s the rub: if you’re a college player seriously injured while playing the sport, you haven’t really paid into the pool for disability insurance, which means you’re probably either ineligible or not eligible for much.

Most college athletics programs are governed by the NCAA, which recently requested new regulatory action from Congress. While we wait for new rules to travel down the pipeline, here’s what we know based on the rules as they are right now: the NCAA is required to guarantee disability coverage to all players under its umbrella of protection. 

There are two primary types of coverage: PTD and ESDI. The first is permanent total disability (PTD) coverage, which is actually granted through the second: Exceptional Student-Athlete Disability Insurance (ESDI). The latter form of insurance grants protections for both injuries and illnesses sustained during a college program that could preclude them from ever playing at the professional level.

Part of the reason for this insurance is based on what we already mentioned: SSDI primarily covers those who have paid into the pool. College players haven’t worked long enough to do that, which means they don’t have eligibility. And even if they did, they’d be looking at a potentially years-long waiting period for a weak benefit that amounts to pennies on the dollar.

The NCAA doesn’t offer Loss-of-Value coverage (LOV) because the benefits have yet to be proved. Most players won’t even need to consider LOV coverage, but the NCAA recommends anyone expected to be in the top 10 of a draft make this a consideration. Those who are projected to be in the top 10 can guarantee an easy claim because the earnings they stand to be compensated for would be obvious.

The NCAA provides a certain amount of funding to schools dependent on need, but it’s up to the schools themselves to decide how to allocate those funds. That means some schools can and will give students a portion of the funding to purchase policies that exceed the required PTD insurance. These students should keep in mind that these policies are sometimes taxable — and the funds don’t cover those taxes. Students are responsible for Uncle Sam’s cut.

Before purchasing LOV coverage, students should shop around. Reading the fine print is as important as getting the best price. These types of coverage are sometimes negotiable — and this is a good time to practice your negotiating skills because you’ll be using them often in professional sports.

Can An Injured Athlete Sue The Athletic Organization?

The quick answer is, in general, “no.” Athletic organizations do assume liability for certain kinds of fault. For example, they have the responsibility for the upkeep of equipment and other types of infrastructure including buildings. An injury that results from a failure to maintain the infrastructure might open a sports organization to serious liability. By contrast, players must sign waivers before they are allowed into the field. A tackle that results in a major injury doesn’t open up a sports organization to liability.

Any personal injury law firm would be happy to take on a case with a justified foundation, but because liability on behalf of sports organizations is rare, these cases are equally uncommon. Instead, injured players tend to seek compensation of the mind instead of compensation of the purse. What do we mean by that?

Take Victoria Hensh, for example: She enrolled in College Park in August 2019 as an NCAA Division I lacrosse player — until she tore her ACL and meniscus. It wasn’t a permanent injury, but it was more than enough to put her on the bench for months.

Hensh said, “It is so hard coming into a school. That was my freshman year, and I didn’t really know that many people, and I wasn’t really sure how to open up to people about an injury that was so serious. After the first few weeks, I just felt like I didn’t know what to do.”

But other players had already found a way to cope with the personal struggle of injury at the beginning of what one would hope to be a storied career in athletics. Other Terps players had formed the “Injured Athletes Club,” meeting bi-weekly as a group to speak with the university psychologist about their thoughts and feelings. Sometimes talking is better than a paycheck.

Hensh eventually returned to lacrosse triumphantly. But she said it was thanks to the club: “Without that, I think that would have been really tough for me, that feeling every day like I’m going through it alone when I was going through it with some of my best friends on the team. I think having such a place, I brought up a lot of things that I wouldn’t have thought to tell people. Even on days when I didn’t feel like talking, in those meetings, I talked, and that ultimately made those days better. So I think it really limited the number of bad days that I had, and it helped me cope with how to handle coming back from an injury.”

Dr. Michelle Garvin said, “We thought it might be good for me to come in and talk to them about what to prepare for. We decided to do it as a group, and after the first session, we thought that it was great and was going well.”

Garvin acknowledges that there is a surprising lack of emotional support for those training to become professional athletes because we perceive these people as “stronger” as the rest of us. But that’s not always the case — and everyone needs a shoulder to cry on sometimes.

Why Are Medical Malpractice Claims So Common After Sports Injuries?

Medical malpractice claims are filed for a number of reasons: an injury related to treatment, delayed diagnosis of a dangerous or life-threatening disease, and even clerical errors have been known to result in a lawsuit. But these types of claims are more common when the patient is a prominent sports figure or an up-and-coming athlete in high school or college. Why is that?

The answer is simple: people who have the most to lose have the best reasons to file a lawsuit to recoup damages after medical malpractice.

Consider this: when a high school athlete is on track for a great scholarship for a prestigious school, but a medical mistake costs him the opportunity, what should he do? When a college athlete is on track for placement on a great team, but a medical mistake costs him the opportunity, what should he do? When a professional athlete is on track to make his next millions, but a medical mistake costs him his career, what should he do? Most victims of medical malpractice are left traumatized by the experience, but it can be especially bad if your expected future is undercut in the process.

Young Jarryd was one such athlete whose story followed this path. He came down with Compartment Syndrome. After surgery, most individuals are up and running again within a month. But Jarryd’s surgery didn’t go as planned. When he left the hospital, the pain in his leg intensified. He consulted with his surgeon immediately and was told that the pain was expected. He was told to wrap the area and take anti-inflammatories for swelling and pain — but the pain only got worse.

It was only then that Jarryd was told he had a rare infection. Over the next year, he would undergo at least four surgeries. Jarryd lost a great deal of muscle in his leg as a result.

When Jarryd and his family decided to open a medical malpractice case to investigate the possibility of wrongdoing, the hospital denied fault — but it was later discovered that the surgery had caused trauma to an artery, which led to the pain and swelling. Without relieving the pressure, the end result was nearly guaranteed. The muscle in Jarryd’s leg died.

Malpractice cases are among the most common types of personal injury lawsuits launched in the United States, in part because hospitals have a history of shielding doctors and surgeons with lawyers of their own. It’s a story with two distinct sides. Surgery always has risks, and humans will always make mistakes — especially when their job involves such delicate maneuvering around fragile tissues and organs. But denying the wrongdoing has become far too common. Patients have the right to compensation, especially when their bright futures are squashed as a result.

Had Jarryd’s surgeon accepted the possibility of a mistake earlier, the boy’s muscle might have been saved and he might have been able to have a long, fruitful career. Sadly, that’s not going to happen.

Dallas Cowboys Suffer Setback After Dak Prescott Badly Injured

The Dallas Cowboys and New York Giants have long held a rivalry with one another. But Sunday evening, when the Cowboys won against the Giants in a last-minute display of skill, it came across to fans and players both as a pyrrhic victory of sorts — or, in other words, it came at too great a cost. The game left popular quarterback Dak Prescott down and out for the remainder of the season.

Prescott incurred a serious injury: one compound fracture in his left ankle (and a dislocation in the same place). He went into surgery quickly. He’s already out, only 48 hours later. Prescott had been tackled by Giants player Logan Ryan during the third quarter. A silence fell. The stadium mob knew something was wrong. The recovery? Up to six months. And that doesn’t necessarily mean he’ll be able to play again, a possibility clearly on Prescott’s mind as he was carried off the field on a stretcher and in tears.

Most United States workers must file for workers’ compensation when injured on the job. Many readers have inquired whether or not NFL players who were injured are still paid full salary — i.e. millions — when they can’t actually play, or if there is something similar to workers’ comp for football players.

Like any work accident, NFL players who are injured “on the job” have an easy means of compensation. But it isn’t workers’ comp.

It all comes down to the type of contract that was signed and the amount of experience a player has. More importantly, will the team permanently remove the player from the roster? Or will the player stay on to fight another day? 

First and foremost, experience matters: if a “non-vested” player is injured and then cut, there will be a number of waivers to be signed before other teams are provided a grace period during which they can sign him over to their side. Non-vested refers to those rookie players with fewer than four years total experience in the NFL. Vested players — or those who have enough experienced to be released immediately before a season starts — can sign with anyone they like at any time.

Players who fall into different categories will receive different pay when injured, depending on whether or not they are cut from the team following that injury. For example, many players might not receive full salary due to stipulations in their contract — which will specify exactly what kind of split pay they’re looking at if relegated to the injured reserve. Rookies would make much less, while those who have been playing longer will have better deals and make much closer to their maximum pay.

Medical bills aren’t exactly a problem for football players, anyway, because they have the best insurance available — which certainly isn’t accessible to your average American. Also, they’re paid enough that the financial cost of an injury is barely felt at all. So even though they might be paid less after an injury — don’t spend too much time worrying about them. They’re fine!

What Sports Programs Have Been Closed Down Because Of Covid-19?

The novel coronavirus covid-19 is perhaps more contagious and far deadlier than most laymen understand, which is a recipe for unpreparedness. For example, the Spanish flu had a median reproduction rate of R1.8. That means if you were infected, you were likely to spread the virus to 1.8 people on average. Covid-19 has a rating of R2.3 on average. It kills around 2% of its victims as far as we know, whereas the Spanish flu killed around 2.5%.

Do the math. This virus could kill millions and destroy the economy if we’re not willing to fight it with everything we’ve got.

That’s why the people who believe others are blowing everything out of proportion are dead wrong. That’s also why governments are shutting down programs across the country and asking people not to go outdoors. The spread of this virus has also forced the closure of many high-profile sports programs because players are already infected. Does it make sense to give people the opportunity to fill enormous stadiums in close proximity to one another? 


The Florida High School Athletic Association is one team that has yet to call off its current sports season, even as schools are closing around the country. We realize that the decision to take sports off the schedule is a difficult one, but it’s time to end the suspense and do the right thing.

The popular racing league Nascar will move online during the current season. Dale Earnhardt Jr. is one figure who has made his willingness to race in a limited edition esports series known. Live racing will not take place during the pandemic. The current season is postponed until May.

All spring competitions within the Atlantic Coast Conference (ACC) and Southeastern Conference (SEC) have been canceled for the foreseeable future. 

The PGA Championship is currently being postponed indefinitely, have been previously scheduled for May 14-17 in San Francisco. The city is currently shut down while they deal with the outbreak there. The decision was leaked and has yet to be formally announced.

One New York Yankees minor league player has come down with the virus and is in quarantine. A Yankees spokesperson has reported that the player’s symptoms are dying down.

The French Open tennis tournament has been pushed from May until September.

The Kentucky Derby has been pushed from May until September.

The UFC has finally postponed currently scheduled events after public backlash for continuing to maintain its schedule. 

President Dana White said, “It’s just impossible. We can’t do it.”

The NHL has postponed its current season by at least a month.

Check back for more updates!

What Do Professional Athletes Eat?

We all know that professional athletes engage in a strict regimen of diet and exercise. We all know that they eat upwards of ten thousand calories each and every day. This is necessary when the body is constantly burning those calories through demanding physical labor. When all you do is work out all day long, you need the extra boost. But what do professional athletes actually put into their bodies each day? The quick answer is this: lots of protein.

But of course it’s more complicated than that.

For someone who loves to eat, the diet is a dream come true. LeBron James has discussed his diet with interviewers in the recent past. For him, a typical game day begins with as many healthy nutrients as he can get: an omelet made with egg whites, hold the yolk, and smoked salmon (for healthy fats and omega-3s). Both options provide a lot of protein. He also adds a stack of gluten-free pancakes (no one asked if he had gut-health problems). To add a few more vitamins, he added blueberries to the stack.

He had another helping of salmon for lunch, in addition to servings of whole wheat — not gluten-free — pasta and veggies. More nutrients, healthy fats, omega-3s, and lots of carbs for energy. Directly before the game he would consume a single PB&J. Stomach cramps during a game wouldn’t be so good, now would they?

He also enjoys a small snack during halftime, when he would consume yet more protein and vitamins with apple and almond butter. In order to make the most gains from his strenuous game-day workout, he would drink a protein shake as soon as the game was finished. The shakes are usually made from fruit, almond milk and protein powder. He noted that in the hours following a game, he would avoid animal products and whey-based protein powder. 

For other professional athletes, it’s not all about the food — it’s about staying properly hydrated. Anyone who’s ever done long-term physical training knows the benefits of keeping water on hand. Tom Brady starts his days with lots of water (with added electrolytes) to ensure he doesn’t get dehydrated from the day before. He doesn’t drink water when enjoying a meal because he believes it will prevent his body from digesting food properly — but that’s an old wives tale. Water actually helps your body break down food.

The rest of Brady’s day includes lots of liquid protein and nutrients, fish, tons of veggies, and constant snacking. He said his diet was 80 percent alkalizing foods, and he avoids foods that create a lot of acid in the digestive tract.

How Do Professional Athletes Train To Stay Fit For Game Day?

You know how the average adult male requires about 2500 calories per day? The average adult female requires even less, needing only about 2000 calories a day to keep a healthy metabolism running the way it should. But these numbers don’t even come close to the unbelievable caloric intake of professional athletes, who require thousands more. Most notably, Olympian swimmer Michael Phelps would consume around 12,000 calories during his training days.

Athletes require this increased number of calories for an obvious reason: they burn them off faster than the rest of us.

Part of a professional athlete’s training regimen isn’t just about gaining the strength and endurance to compete at a higher level; no, it’s about reducing the chance of injury during a game or race. This means that even athletes who don’t necessarily need huge biceps will lift weights. They do these exercises to increase bone density and get their joints, tendons, and ligaments ready for the pressures of later performance.

Athletes who fail to take these weight training measures will often fall victim to common injuries like tendinitis or a torn ligament. Another reason they train all their muscles instead of just the ones they require to play their chosen sport is due to the potential for muscle imbalance. Our bodies are built to maintain a certain equilibrium of movement: we require balance. Too much training of one muscle group will result in reduced dexterity and balance.

Athletes use a variety of exercises to help achieve their goals: 

  • Elastic bands. Dozens of exercises can be performed with the aid of an elastic band, which helps athletes gain muscle, endurance, and joint strength.
  • Sleep. Athletes make sure they get at least eight hours of sleep, which is recommended for all adults anyway. The required rest helps the body repair itself while building back up.
  • Compound movement. These exercises focus on multiple muscle groups instead of just one in order to increase joint resistance.
  • Jumping. Exercises that involve jumping will help players who use these skills in their sport learn to be safe.
  • Hydrating. Non-professional athletes often make the mistake of failing to drink enough water. A professional athlete won’t be caught dead thirsty.
  • Walking. Sounds somewhat mundane, right? But walking can do wonders for sore, stiff muscles that aren’t ready for another extreme bout of exercise yet.
  • Running and swimming. Both of these exercises are common, but athletes will perform them for much longer periods of time in order to gain god-like endurance and train muscles that don’t otherwise see much use.

The Science of Sports

When I was a kid growing up, I was a big football fan. Huge. Whenever my favorite football team, the Kansas City Chiefs, played on national television, I was sure to watch the game from kickoff to the postgame show: even going so far as postponing homework that was due the next day. And I was what some might call a diehard fan. I would scream at the top of my lungs after my team won a big division rivalry, and I would even throw temper tantrums in the midst of a playoff loss.

As I grew older, my temperament changed so I didn’t get upset over losses or absolutely ecstatic over wins. Not to say that wins or losses didn’t affect me anymore; I still felt somewhat dejected after a loss and I still felt a small sense of pride and uplifting after a big win, as if I were actually a member of the team. And like anyone else who follows sports at all, I’m well aware that some fans my age still get highly invested in their team’s successes and failures. I went to college in Massachusetts when the Red Sox beat the Yankees in the 2004 American League Championship series and became the first and only team in Major League Baseball history to win a 7-game series after losing the first three. I didn’t dare leave my dorm room that night for all the rioting that was to follow.

But, what is it that sparks this strong connection, this unbelievable degree of empathy, for a sports team or even a sport in general? What triggers this notion of vicarious experience that draws thousands of people to stadiums all over the world and inspire reactions as deep and impacting as rioting in the streets – sometimes over a win, no less – where others might calmly sit at home and say, “It’s just a game”?

The truth is that the answers will vary greatly depending upon whom you ask. Some people are in it to support the home team for whatever incentive, be it the local economy or just a reason to get out of the house. Others, like myself, just take to a team for inexplicable reasons after being introduced to the sport and ride the wave of success or failure for years to come. Some join the bandwagon of teams or individuals at times when they perform well (we tend to call them “frontrunners”). And then there are even some who just like the colors of the uniforms.

Science has attempted to explain this in various ways, sometimes by describing what some have called “mirror” neurons that trigger our empathy for particular parties (in this case, the athletes we watch), some cite basic physiological functions such as the release of certain hormones – most famously, testosterone – and others inquire as to the psychological impact or even the external stimuli: forgetting your real-life troubles for just a few hours at a time as most forms of entertainment are said to do or perhaps because you’re a gambler as well as a sports fan.

The point is that, as sports fans, we have a plethora of reasons for following sports and particular sports teams. And while sports journalism attempts to tie up the storylines of fans into nice, neat, little bundles, the truth is far greater than an exposé might ever reveal. The simple truth is that we all come from somewhere, we all have a background. Some of us are born into a family of sports fans, growing up with our baby bibs and one-piece pajamas plastered with the logo of mom and dad’s favorite sports teams. Some of us discover them on our own and naturally get caught up in the throes of fandom. And some of us really have no rhyme or reason to it whatsoever. Perhaps we just enjoy the game. Perhaps we just enjoy being a part of something bigger than ourselves. Perhaps we just like flashy colors.

How To Improve Your Current Running Speed

Do you want to be able to run more quickly? Do you want to shave a few seconds off of your current lap time? If you’re interested in improving your running speed, try implementing these tips. These suggestions should help you to run faster.

Do Interval Training

A lot of people hit a wall when they are training. Once they get to that point, they often struggle to improve their running speed. If you’re in this position, you should try interval training. This type of training can help you to overcome any limits.

Always Stretch Before You Run

If you want to become a faster and more effective runner, you need to keep your muscles limber. Spend some time stretching before your run. You should also perform some cool down stretches after your run is completed. Treat your muscles with care, and you’ll be able to become a better athlete. If you don’t stretch, you might need to hire a personal injury attorney like OA Law in Albany.

Work To Improve Your Lung Capacity

If you’re struggling to run at high speeds, you should focus on your breathing. If you can increase your lung capacity, it will be easier for you to run long distances.

Record Yourself And Improve Your Form

Good form can have a big impact on your speed. Record yourself the next time you go out for a run. Watch the recording and keep an eye out for any mistakes that you make. If you notice any issues with your form, you can correct them. Keep on working at it, and you’ll be faster than ever.

If you’re not running as quickly as you would like to be, try out some of these suggestions. If you follow all of these tips, you’ll be a faster runner, and you will also be in better shape. Working on your running speed is a great way to improve your overall fitness levels.

For more information, please watch the following video:

Dropping Pounds With Your Favorite Sports

There’s no soft and fluffy way of saying this, but losing weight and improving the physical condition can’t be done easily. There will be difficulty with slow progress, feeling like you are stuck in a pointless routine and feelings of deprivation when you say bye to some of your favorite indulgences.

While there are plenty of ways to face these problems and a personalized trainer or gym buddy can provide plenty of support and encouragement, there is another path to take that has been found very effective. This is making your health and fitness routines a part of your recreation and leisure.

Olympian Katie Uhlaender, an American skeleton racer, says that you can make your efforts towards greater health more entertaining by engaging in sports or activities you actually enjoy.

Fishing, dancing, tennis, long distance running, biking, and basketball are all terrific ways of keeping fit, shedding pounds and staving off disease and poor health.

If you are thinking of taking up a fun and engaging activity that will help propel you towards your health and fitness goals, where do you begin?

So, you’re interested in the idea of embracing a new sport or activity in place of your typical workout routine. Where do you start? The last thing you want to do is focus on the problem. Thinking “I want to lose X pounds” or “I need to beat my wife in a marathon” is not a good way to begin. Redoubling efforts by committing to a crash diet and some pills is another bad idea. That is a formula for needing to hire a personal injury lawyer.

Instead, think about making a positive choice to change your life. From today on you are the person that spends 60 minutes each day doing something you love. Even better, it is a healthy and invigorating activity. Start with what you can do and begin to enjoy this experience into exploring your physical fitness in an intuitive way.

For more information on how to lose weight, please watch the following video: