Hypothetical: You, pro football, and concussions.
 

Imagine that you get drafted into the NFL. You complete the first year of your contract and get a concussion in your second year that causes you to miss half the season.

Your gross career earnings are about $1.3 million. Taking out the agent fees and taxes, your take-home is about $650,00 for those two years. Assume that you bought a nice condo for your mom and a sweet ride for yourself, so after that and living expenses you've got about $200,000 parked in conservative investments.

Now let's think about concussions. You've got your basic concussion stories about headaches and double vision, and you've got your more spectacular stories about Joe Phillips fleeing the law, Mike Webster living under a bridge, and that Steelers lineman blowing up in a big explosion after a police chase.

You have two more years on a contract that will pay an average of $650,000 a year.

What's the maximum risk you'll be willing to take to get that extra $650,000 a year, plus a potential future contract after that?

Assume that the risk in the poll is your odds of having a Mike Webster experience beginning at age 55.

I'd forget about all that macho shit and learn how to play the guitar.

Dinny

You really need to squeeze a 3rd year in. That way you qualify for the NFL retirement pension plan.

did you not fall down recently?

How much does that pay?

Pretty hard. I started speaking Greek for a while.

Per the scenario, gross of $650,000, net take home approximately $350,000.

Why the figure 1.3 million ?

That's two years averaging $650,000 per year. You may assume no Weimar-Republic hyperinflation during that time.

http://blog.futureadvisor.com/nfl-pl...on-retirement/
So essentially 1400 bucks per month at age 55.

I meant the NFL pension. I need to know how much that will be to know if it's worth risking a 3rd year.

I see. Well, I risk a concussion on a daily basis for much less. Ever been under the dismount of an 800 pound boar ?

Interesting, I had no idea that existed.

I'm woefully uneducated on the dangers of CTE and I'm a relatively healthy young man..

So I'd probably stick it out for as long as I could.

Yep. You play that 3rd year and you will get about $16,000 a year from age 55 until you die.

Throw that in if you are smart with what you got as a player and invested wisely you could be doing alright.

I am a bit of a hypochondriac and if I suffered something particularly severe I'd probably take homeboy's advice and just play for 3 years to get that pension as well.

Having taken home nearly $1,000,000 in three years would be a great start to my life.

ah yes, you were spartan in these parts. do you remember grabbing milo by the arms and saving her? i saw your butt.

Say you put 650k in a IRA. You retire from the NFL at 25. You NFL pension kicks in at 55 as well. IRA is a 30 year one. I guess you would make what 5 million off that.

ranius did bold the webster for a reason. google?

Annual IRA contribution limit is only $5.5k and 401k only $18k.

Reading CP you would think about 45% of posters are concussed.

no. not ever no. what you do for a living was a curiosity. i thought you made boars relieve their nut by hand. i wasnt going there because you didnt go into much detail. i wanna leave it at that. but no, you went to the 800lb "dismount" and concussion risk.

spitter eh?

Interesting stuff on the pension.

If we assume that you're eligible at 55 and get 30 years of pension at that amount (and that it doesn't adjust for inflation), the current-day value of the pension is about $135,000. Not chump change, but it seems like the current salary might be a bigger issue.

Where's the zero percent option? Need a lot more $$ to voluntarily have my eggs scrambled...

Zero.

Nothing is worth CTE, a diminished life and a predetermined death at 55 years.

Life is full of way too many opportunities to give it up over such a small sum of money.

1.3 million is about what the Mike Webster experience was valued at. Take the deal.

But they kept a nation warm in 1923...

https://s-media-cache-ak0.pinimg.com...c4a2698674.jpg

this is huge can of worms. there first has to a definition of concussive brain injury.

Honestly I would wes Welker that shit and get concussions every game. Work hard for that big money second contract. Then I'd be able to hand out 100s at the Kentucky derby

I'd play out the third year and see if I could lock up a decent second contract. If I were still looking at league minimum I would go back to farming. If I had to farm again, that $350 large will buy a tractor. No implement though.

Unless it was for the Faid or donk. **** them. I'd bomb the stadium on the way out.

Don't spend all that money on lean like JaMarcus Russell

I'm fortunate that I don't have to trash my mind or body for a paycheck.

I'd hang it up, just like Chris Borland.

or your kids would have to stick your ass in the 350 large ride day after day and hear night after night the same old shit that didnt happen. and worry if you will go webster.

well most guys play for more than just a paycheck.

Most might be an overestimation

I probably would buy a lot of coke to be honest. It worked well for Irvin

i read coke constipated users not concussed them

I cant speak for most, but I will speak for me.

I loved playing ball in school. LOVED IT!!!
But, I was slow. I was an average D-end at best. But, if they were dumb enough
to run at me, they got a suprise:thumb:

IF I was blessed with NFL quality strength and speed, I would risk a concussion/broken leg/ whetever else may happen for minimum wage!!
I really cant speak to what % of risk, because if there was a chance I dont end up in a wheelchair, I PLAY BALL!!

Now, this has me wondering how many of us played ball back in the day. Position played and what-not. Might be a good thread topic.:thumb:

I don't really understand what you mean by "what is the maximum amount of risk you'd be willing to take?"

If you choose to step back on the field, you are assuming the risk of having Mike Webster experiences at 55 every single snap. You should really be asking whether or not someone would get back on the field and assume that risk, or would they pack it up and retire. You can't quantify risk as 1%, 5%, 10%, and so on in this situation.

You could take an actuarial stance and ask, if the risk of having a Mike Webster experience at age 55 increased 5% for each year you played in the NFL, how many more years would you play?

Everyone who posts here was a 5 star QB coming out of high school that had the homecoming queen around their arm. Injuries piled up in college but most still feel they are better than 15-20 of active NFL starters. CP on average can also bench press 400 lbs and has about 12 inches of genitalia.

Yep.

Depends. I never had a concussion while playing sports but never played beyond the high school level. I guess I would have to see if I am susceptible to concussions and how bad they are if I get one.

It also depends on the position you play. Linemen, RBs, and LBs I would assume would get them the most while DBs, WRs, and QBs the least.

The pussy

Depends on what position I play... If I'm a O lineman sure I'll roll the dice... A QB,RB, or WR ...nope not so much....If I play defense not sure if I risk it so much either... A kicker is the best for this exercise...

ROFL

Ummm, I was just kidding about the average d-end part. I too was a stud qb! Also, I dont like too brag, but the ole family maker only shrinks down to 12 inches on really, really cold days.

Do I fit in now?

:D

Personally, I'd try ,my best to wait a minimum of the season after my hopeful second contract with the guaranteed respectable signing bonus.

I like how somebody voted 99%. 100% is a hell-no, but 99% is worth the risk.

LOL that was me. :D Gotta leave some hope for not sitting under a bridge pulling my teeth out.

The poll just gives percentages. Doesn't matter what position you would be playing.

But 1.3 for a kicker, I'd take that any day. My long would be like 40 yards and inconsistent. Worst kicker ever.