Rondo Insurance Question

[Curmudgeon]

As the world knows, Rajon Rondo tore his ACL and is out for the season (at least).

I've read that NBA teams are required to maintain temporary disability insurance on their top five salaried players, with coverage kicking in after 41 games. I've also read that the insurance covers 80% of the player's
salary after it becomes effective.

1. Can someone confirm the above facts?
2. Can someone confirm that the 41 games include playoff games? Does it include exhibition games?

I note that the Celtics have 38 remaining regular season games. If they make the playoffs that means at least 4 additional games. So if Rondo is not ready to play at the start of next season, when would the Celtics begin to collect on the policy? (I understand that the team may have purchased supplemental temporary disability insurance in addition to the league-mandated coverage.)

[DBoys]

Celts are probably SOL on any reimbursement unless his injury carries over into next season.

FAQ: "If an insured player is disabled, there is a 41 game waiting period, after which the insurance company pays 80% of the guaranteed portion of the player's base salary, up to $175,000 per regular season game."

But it won't alter their cap status, regardless. And don't worry, they can afford his salary as it was already factored into their budget whether he's healthy or not.

[Curmudgeon]

His injury will likely carry ovr into next season. Ok, so it's regular season games only. Making the playoffs won't help the Celtics collect any sooner.