kodo wrote:If it was a freak accident, Denver would be fine financially because insurance covers 80% of this. But this really seems like a case where insurance would refuse coverage due to pre-existing conditions.
https://www.espn.com/blog/chicago/bulls/post/_/id/13432/insurance-helps-bulls-foot-roses-billMetLife offers insurance to teams on an annual basis, but the insurance company can put exclusions on certain players or even body parts. If that happens, the team can opt out of the plan and try to find another insurance plan. As Larry Coon's salary cap website, cbafaq.com, notes, Luol Deng was excluded in 2008-09 because of a history of back injuries.
That's also what happened when the New York Knicks signed Amar'e Stoudemire to a $100 million deal in 2010. His well-documented knee problems, which included micro-fracture surgery, were deemed uninsurable.
Yes, two back surgeries before the age of 21, and a nice memo written by Clippers team doctor stating that he will never play basketball again pre-draft. "Freak" injury lol.
Any insurance Nuggets bought for MPJ's contract would be stupid to not exclude his back.