I addressed this already, but here is what he could have had...
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Men’s Basketball $10 million
Football $10 million
Baseball $5 million
Men’s Ice Hockey $3 million
Women’s Basketball $250,000
*Exceptional Student-Athletes in other sports not listed above, who have demonstrated a strong likelihood of a professional career in their sport, may be eligible for coverage under the ESDI Program, and can be reviewed on a case by case basis.
In addition, an accidental death (AD) only benefit is included with the PTD coverage. The AD benefit will match the amount of the premium on the coverage. Additional accidental death (AD) coverage is available up to the maximum PTD amount, for an additional premium."
http://www.ncaa.org/about/resources/insurance/student-athlete-insurance-programs
That doesn't include other policies any player can obtain on their own.
http://www.espn.com/college-footbal...l-insurance-policies-big-complicated-business
https://www.google.com/amp/www.al.com/articles/4826454/are_you_in_good_hands.amp
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Private insurers offer an alternative to players who don't qualify for the NCAA program -- football players who aren't projected in the top three rounds, for instance -- or who want more coverage than the NCAA offers.
Lerner, whose clients have included Matthew Stafford, Jermaine Gresham, Patrick Robinson and Terrence Cody, said there are advantages to going with a private agency.
"Most of the guys want to have somebody who is going to talk to them, talk to their mom, talk to their coach," he said. "They don't have to do the legwork. The NCAA doesn't have insurance agents like me."
Like the NCAA program, the amount of coverage a player can get depends upon his draft projection, with the average policy running about $2 million. The largest policy Lerner has written has been for $10 million for a basketball player. While the NCAA uses professional scouting services, some private agents handle the projections themselves.
"We track these kids; we chart them. It's basically almost like being a scout," Lerner said. "I have to be able to validate that number to the insurance agency."
The premiums through a private agency can run higher -- about $10,000 a year per $1 million of coverage for football players, according to Lerner. Athletes can take out loans to purchase coverage from private insurers without threatening their college eligibility as long as they are not given special treatment by the bank, Sheely said.
The cost of premiums -- and the fact that the insurance only pays out in cases of career-ending injuries -- has scared off some players, including Auburn offensive tackle Lee Ziemba.
"The premiums are extremely high," Ziemba said. "The thing I saw about it is it only covers you for an injury where you can't play the game anymore -- not where you tear your ACL and you're not the same player you were before. You can't be able to play, ever. So I put my trust in the Lord and whatever He sees fit. If something bad happens, He's going to take care of me."
The NCAA and private insurers include a waiting period of six months to a year for rehabilitation efforts before claimants are eligible for a payout. Sheely said the NCAA has had "a handful" of payouts over the years, while Lerner has had just two -- a hockey player and former Florida defensive lineman Ed Chester, who collected on a $1 million policy in 1998 after multiple surgeries couldn't repair a severe knee injury well enough for him to play again.
"If a player can make his living playing professional sports, he's going to make more than he can collect on this policy," Lerner said. "We set it up that way so they still have the incentive to play."
After hearing stories such as Chester's, many athletes consider insurance a no-brainer these days. Lerner estimated that practically every player taken in the first five rounds of the NFL draft and both rounds of the NBA draft this year was insured.
"It wasn't a difficult decision. I believe it was a smart decision," said LSU's Peterson, who also took advantage of the NCAA program. "With so many high-profile guys, you have so much to lose. To have that so you know you have something where you can be stable after football, it's the right thing to do."
