far, or the whole amount, as Ifo Ekpre-Olomu received when he was projected to be a first-round pick and an injury caused him to slip to the seventh round

Sources revealed Wednesday that Clemsons Deshaun Watson?has taken out?two insurance policies against a career-ending injury: a $5 million total disability policy and a $5 million loss of value policy.The reality is, players rarely end up receiving a payout, even after theyve sustained an injury. And when they do get paid, its still unclear whether the IRS has dibs on a cut of the money.Heres a primer on how these policies work:What is a total disability policy?It protects a player should he become unable to play football again because of an injury. This covers an injury on or off the field, usually from the time a player signs the policy until the following football season. The only reason something wouldnt be covered is if theres a pre-existing injury; the insurer might specify in the policy that the player would not be covered if the same injury occurs again.A player can attempt to come back from an injury and still collect, but in general, policies wont pay out if hes able to play in more than four games following the injury.A player cant just decide that he cant play. A doctor, sometimes one from the players side and one from the insurers side, must agree that is the case.What is a loss of value policy?It is an attachment to the disability policy. It projects where a player is supposed to go in the draft and then provides for a payment up to a specific amount, should the player fall in the draft order because of an injury.A player can get paid a small amount if he doesnt slip far, or the whole amount, as Ifo Ekpre-Olomu received when he was projected to be a first-round pick and an injury caused him to slip to the seventh round. Someone who didnt collect in this years draft was Myles Jack, who fell to the 36th overall pick, but only would have started to collect money at Pick 45.The loss of value must be associated with an injury. Theres no coverage for falling in the draft due to other issues. ?What do these policies cost?A rule of thumb is about $10,000 for every $1 million in coverage. Previously, the NCAA helped secure a loan for the premium, which would be paid by the players family, but a couple of years ago, that changed when it was discovered that schools were allowed to take out the policies themselves.Sources said that Clemson took out a policy for Watson through International Specialty Insurance, which has established itself as the leader in the space, especially when it comes to offering loss of value.How often do players collect?Not too often on total disability. It has happened only a handful of times in the past 15 years. Loss of value collection has occurred more often. Players who have collected over the years include Ekpre-Olomu and Jaylon Smith, who will collect a lump sum of $900,000 after slipping in this years draft.In March 2015, USC wide receiver Marqise Lee sued his insurer, Lloyds of London, when he slipped in the 2014 draft, claiming he was owed $4.5 million. But Lloyds argued that at the time he signed his policy, Lee had an injury that he didnt disclose. The two sides agreed to settle the case for an undisclosed amount this May.And in case youre wondering, when there is a payout, all of the money goes to the player. None of it goes to the school.When a player collects, is it tax free?When a player pays for a premium up front or takes out a loan to pay it, it is tax free. When the school pays for the premium, its not yet clear. The IRS hasnt formally ruled on whether taxes have to be taken out of the lump sum collected because the player didnt pay for the premium to begin with.Why do schools pay?This is now a good way for a school to keep a player who might be scared to return. In other words, the school is saying, if you hurt yourself, weve got your back. Scarpe Nike Scontate Online . Once again Jordan Cieciwa (@FitCityJordan) and I (@LynchOnSports) go head to head in our picks. Last weekend at UFC Fight Night 32 my #TeamLynch got the best of #TeamJC by a score of 9-6. Let us know which side youre on for UFC 167 use the hashtag #TeamLynch or #TeamJC on Twitter. Nike Scarpe Italia Outlet . LOUIS -- Mike Smith is used to facing plenty of shots, so this was nothing new. http://www.nikescarpescontate.it/ . The judges scored it 48-47, 48-47, 49-46 for Jones (19-1). It was the champions closest call. Despite the loss, it was a remarkable show by the confident Swedish challenger, who had the best of the early rounds and then hung on in the fourth and fifth. Vendita Scarpe Nike Online .35 million, one-year contract that avoided salary arbitration. Plouffe batted .254 with 14 home runs and 52 RBIs in 477 at-bats last season, his second as a regular in the lineup. Scarpe Nike Scontate Del 50 .ca look back at each of the Top 10 stories of 2013. Today, we look back at Boston Strong - a citys recovery from tragedy.Max Verstappen admits he was a bit shocked after learning of his Red Bull promotion, but isnt feeling the pressure ahead of his Spanish GP debut. Verstappen has swapped places with Daniil Kvyat after the Russian was unceremoniously dropped back to Toro Rosso after his crashes last weekend in Sochi.The 18-year-old spent Thursday at Red Bulls Milton Keynes factory and has a week to prepare for the next race in Barcelona, where he will drive the RB12 for the first time. Kravitz on the Red Bull swap Why have Red Bull swapped Max Verstappen and Daniil Kvyat now - and what does it tell us? Well, of course I was very happy, he said. A bit shocked as well - I didnt expect it, but yes Im very happy with the opportunity of course.I have to say a big thank you to Red Bull and Dr Helmut Marko and now I just cant wait to jump into the car.I wouldnt say theres more pressure to be honest. Of course Im driving for a top team now, but in the end you always try to do your best which is what I always try to do. For me, I dont feel more pressure. Verstappen will partner Daniel Ricciardo, who he lives in the same building with in Monaco, for the remainder of the 2016 season, and there are theories that Red Bull have dumped Kvyat just to keep the Dutchman away from rivals.The youngster is thought to be tied to Red Bull until the end of 2017 but it is an open secret Mercedes and Ferrari are monitoring his progress closely. Sky F1 pundit Martin Brundle felt the timing of the line-up change was a masterstroke from Red Bull after Kvyats error-strewn performance at his home grand prix when he both ended Sebastian Vettels race and hampered his teams. Just four races into the new season, Max Verstappen has swapped places with Daniil Kvyat I think it was the perfect chance for Red Bull to move him out the way, Brundle told Sky Sports News HQ.dddddddddddd They want to do something with Verstappen, they have to protect him, keep him in the Red Bull team moving forward.They know Mercedes want him, they know Ferrari will want him and other teams too. Its a bit of a masterstroke from Red Bull actually, as brutal as it looks for Kvyat. We look back at the crash that cost Daniil Kvyat his place in the Red Bull line-up from the Spanish Grand Prix onwards Verstappen, meanwhile, said he never felt the urge to move and was always very happy at Red Bull.He added: To be honest, I was always very happy at Red Bull. I never saw reason to change and of course with this opportunity there is no reason to change so Im happy to be here.Its a great honour and its a top team and thats where every driver wants to drive I think. I cant wait to get started. Every race live in 2016 Sky Sports F1 brings you every race live in 2016. Fast and easy online upgrade Also See: Button questions Red Bull WATCH: The crash that cost Kvyat F1 Gossip: Verstappen reaction Kravitz on the Red Bull swap Wholesale Hoodies NFL Shirts Outlet Jerseys NFL Wholesale Cheap NFL Jerseys Free Shipping Wholesale Jerseys Cheap Cheap NFL Jerseys China Wholesale Jerseys Wholesale NFL Jerseys Cheap NFL Jerseys China Cheap NFL Jerseys ' ' '