Started by theaardvark, May 06, 2022, 02:56:55 PM
Quote from: Blue In BC on May 16, 2022, 02:12:37 PMHorrible situation but you also mention the horrible US health care system which is true. Fortunately this isn't something that happens often. As mentioned the CFL has extended the coverage to 4 years in the current deal. Hefney was more the exception than the rule regarding long term injury. Leading to a life of drug trafficking I can't respond to.I don't know the CFL can be held to account for the lack of US health care. Like any type of insurance doesn't some of the responsibility fall to the player to insure himself?How much does this kind of insurance cost? It was already mentioned how many extensive injuries happened in TC without padded practices. The veterans were protected as far as I can tell. The injuries to rookies being released might be worth a further discussion. This is not something that has not just come up in the 100 year existence of the CFL.
Quote from: theaardvark on May 16, 2022, 03:07:49 PMYes, it is up to the player to insure himself in the US. But insurance is expensive, especially if you are not on a plan. Obamacare helped a lot, but still, it costs. And we know, not all pro football players are financial wizards like Adam Bighill, many don't have much left saved after a career in the CFL. We are using Int players, and taking advantage of their talents, and then effectively tossing the on the trashpile when we are done with them. My point is to take care of players after their careers. Some stay in Canada and become great spokespeople for the CFL, we see those guys. But until someone like a Hefney hits the newspapers, we don't hear about them. His is an extreme case, but I bet there are a lot of players whose stories are similar. If the CFLPA is concerned about extended health care, and are using padded practices to fight for that, I say "give it to them now". Instead of doubling the SMS increase, commit to taking care of the players outside the paycheck (which I contend, again, is more than sufficient to attract good players at the present levels). Add in benefits (health care including counseling / rehab, 401k/RRSP matching, education subsidies) instead. Commit to the players in a "partnership for life" rather than a "hired gun, dispense with when empty" relationship. Also, with the size of the insured group, the league should be able to either come up with a pretty special rte with a carrier, or even create a self insured pool. Again, many NAT players and Globals who live in Canada and abroad will have national health coverage, so that might be moot for them, although RRSP / education subsidies might apply. But they have benefits INTs don't have in the ratio and salary vs. ability. So this kind of levels the playing field for the Ints as well. Signing a CFL TC contract should also include 1 year heath insurance /counseling / rehab premiums as well. For those guys that get injured day one of TC and get released. These are expenses that make sense to increase. Just tossing cash at the SMS is a shallow way to buy the players, and short sighted for players to accept.
Quote from: Blue In BC on May 16, 2022, 04:00:52 PMBefore Covid the last couple of years we travelled a lot. It cost us about $1000 for a year. If I went to Vegas and tripped getting out of a bus and broke my arm I was covered. If I was younger and tore up a knee surfing in Hawaii I was covered.Obviously that's not directly the same as a pro sports related injury but shows to some degree the personal responsibility to insure.The " assist the injured to transition " to life away from playing. I'm not sure how many players that really is an issue. Hefney was legitimate example. I remember James Bell in Edmonton with a life changing neck injury as well. Beyond that we don't really hear what injuries exist during and beyond football.Canadian LB Lowes was apparently injured in mini camp and released. No specific reports of what the injury was or whether it is long term or short term. He's not a veteran so he's not likely going to be added to the IR to start the season. He may or may not be added back on the PR later this season. We have seen rookies injured in TC that the team wanted to keep around and were placed on IR to begin the season.Anything is possible from career ending injury to fractured wrist? There is no transparency to the fans ( nor should there be ) but that makes it difficult to see the bigger picture. All sports have injuries to deal with. IMO the padded practices are not specifically causing injuries. We often hear of players injuring themselves untouched as in last year's rash of achilles problems. Maston was one of those and he spent the season on the IR. Now he's back projected to be a starter. That's a TBD to see if he can perform to the level he used to be able or whether it is in fact career ending. Odds are in his favour compared to earlier decades. Improved surgery and treatment, but it's not guaranteed either.
Quote from: theaardvark on May 16, 2022, 04:18:26 PMInsurance is not designed to benefit everyone, by definition, it is to provide assistance to the few who need it by having everyone pay into a central fund that the few get paid out of. It does not have to have a universal usage, but rather coverage for those in need.Players are claiming they are nothing but pieces on a board that are used and sacrificed as the league sees fit (my analogy). By accepting a partnership role, during and after playing careers changes that dynamic.
Quote from: Blue In BC on May 16, 2022, 05:29:10 PMMore on HefneyArticle contentJust three months before that, he underwent the first in an anticipated series of operations, with its $88,000 cost covered by CFL-provided medical benefits.This time, though, there was no CFL medical coverage. Those benefits lapsed Oct. 1, 2016, one year from the date of his injury, as stipulated by the collective agreement between the league and the CFL Players? Association. So, although Hefney eventually received a $200,000 Cdn disability insurance payout, its converted value of $120,000 U.S. was consumed by another $88,000 surgery bill and associated fees for physicians and services such as anesthesia.
Quote from: theaardvark on May 16, 2022, 05:35:33 PMExactly... but seeling that to 700 member that "This may happen to you" is tough... as has been said, "Show me the money NOW" is too prevalent. They need leaders like Bighill that understand the long game to explain how they can get more out of a CBA than just extra dollars that put them in a higher tax bracket now...
Quote from: theaardvark on May 16, 2022, 05:35:33 PMExactly... but selling that to 700 members that "This may happen to you" is tough... as has been said, "Show me the money NOW" is too prevalent. They need leaders like Bighill that understand the long game to explain how they can get more out of a CBA than just extra dollars that put them in a higher tax bracket now...
Quote from: Throw Long Bannatyne on May 16, 2022, 07:09:46 PMYour suggestion of "partnership for life" is a bit steep, seeing as the average CFL player career is probably less than 4 years long. If players want the benefits of our tax-payer funded health care system, they're welcome to apply for citizenship while they're playing here. A few do, most don't.Choosing football as a career is a high risk occupation, especially if you come from the impoverished Deep South or a inner-city ghetto and have a very poor education to begin with. The US allows this system to persist by underfunding education and health care and also allowing their high-school and college systems to exploit student athletes for profit without ensuring they provide them with a solid education to fall back on. A large percentage of Import players do not have degrees after playing College football for 4 years, and an equal percentage graduate with "easy degrees" that do not aid them in pursuit of an after college football career. The CFL is happy to pick up on the fallout of this system by offering temporary employment to players with slim to no other options.Happily Canadian schools do not allow college athletes to get by on athleticism alone, hopefully it stays that way.