fourthandshort
Well-known member
- Joined
- Jul 17, 2017
- Messages
- 9,784
There's the rub with colleges paying athletes as if they are a w-2 Employee ... it is no longer a health insurance risk, it is a worker compensation risk. And there are 2 major differences between healthcare claims and work comp claims:What the ncaa proposes and its impact is so foggy when factoring in that fbs level post season football playoffs/bowls are already non-ncaa… meaning if the power conferences don’t like it than can easily break away from ncaa oversight and do their own thing since they already do that post season. Ok…. For the smaller (based on revenue size) football programs ok now pay the football players 30k but how about also making the paid athletes pay for their tuition, housing, meal and health insurance!!
- Date of Injury - a healthcare policy covers claims based on date of service. Work Comp policy covers based on date of injury. AND it covers that claim for life of that injury. So the NFL operates under a franchise model, which allows them to self-insure, under each states separate WC laws/regs.
- Indemnification of lost wages - a work comp policy must also cover all lost wages during their injury. No imagine what happens for career ending injuries ?
No small thing when you consider most players incur 2-3 injuries each season, most minor, but some major. They are each a separate claims, unless you re-injure the same injury ... like hamstrings or concussions, those get assigned back to their original injury and extend the life of that WC claims. Amd just think about concussions, or backs/necks/spines, and long term impacts, especially as most go undiagnosed due to repetitive traumas .. that claim can always be reopened if symptoms reoccur, unless that claim was settled with the EE/injured party.
edit: it is no small thing ... not sure what all drove the NFLs decision to create a franchise structure. But the draft, contracts/salary structure, and injuries are probably all near top of list of reasons. Could colleges do this ... I can't even fathom how.
Last edited: