and it awarded him monthly benefits.Lloyds medical expert nonetheless ruled, nearly 18 months after the claim was filed, that he could return to play. Howev

A former NFL player who suffered what the league deemed a career-ending concussion has sued Lloyds of London for denying a $1 million insurance policy for professional athletes.The lawsuit filed this week in North Carolina could become a test case for insurers dealing with the emerging fallout from sports concussions and head trauma claims.The NFL declared former Carolina Panthers defensive back Haruki Nakamura fully and permanently disabled after the concussion he received in an August 2013 preseason game, and it awarded him monthly benefits.Lloyds medical expert nonetheless ruled, nearly 18 months after the claim was filed, that he could return to play. However, the doctor cautioned Nakamura to consider the probable long-term effects of repetitive concussions before making the decision, according to the suit, filed Monday in Mecklenburg County.Lizzie Lowe, a U.S. spokeswoman for Lloyds, said the insurance consortium doesnt comment on pending litigation.Nakamura, 30, said he suffers from headaches, vision problems, fatigue, depression and suicidal thoughts.He hit the side of his head making a tackle in a game against the Pittsburgh Steelers, and he was diagnosed with a concussion at a hospital. Citing a concussion, the Panthers released him five days later, the lawsuit said. He was later diagnosed with post-concussion syndrome by a sports concussion expert at the University of Pittsburgh.Nakamura had paid $17,000 a year for the Lloyds policy in 2012 and 2013, according to his lawyers, John W. Schryber and Julie L. Hammerman, who specialize in insurance policies for athletes. The policies are recommended for athletes who might not have a guaranteed salary and who can be cut after an injury. The lawyers said they have never had an insurer reject a policy after a doctor or the NFL judged a client to have a career-ending injury. But this is the first concussion claim they have filed under coverage for bodily injuries.And now theyre denying coverage altogether, Schryber said Wednesday. The point of going out and buying private insurance is to have a hedge against all of these other things that are outside of your control.Nakamura could potentially seek an award under the NFLs planned $1 billion court settlement of concussion claims, though its unclear how he might fare. The settlement, which could roll out within the next year, is designed to cover more than 20,000 NFL retirees for the next 65 years. The league estimates that 6,000 former players, or nearly 3 in 10, could develop Alzheimers disease or moderate dementia that some link to concussions.Nakamura, an Ohio native, played for the Baltimore Ravens from 2008 to 2011 before joining the Panthers. He lives with his wife and two children in Mooresville, North Carolina. Custom Cardinals Jersey China . LOUIS -- Alexander Steen scored a power-play goal with 59. Custom Cardinals Jerseys . 4 Villanova with a 96-68 drubbing on Monday. Wragge hit 9-of-14 from behind the arc, matching Kyle Korvers school record for 3-pointers in a game set in 2003, as Creighton (16-3, 6-1 Big East broke a conference record with 21 treys in the rout. http://www.customcardinalsjersey.com/ . -- Charlie Graham stopped 67 shots as the Belleville Bulls edged the visiting Guelph Storm 6-5 on Saturday in Ontario Hockey League action. Wholesale Custom Cardinals Shirts . -- Timbers coach Caleb Porter didnt stray from his business-like approach to the season even after Portland downed the two-time defending league champion Los Angeles Galaxy to gain crucial playoff position. Cardinals Jerseys China . -- Jaye Marie Green shot a 4-under 68 on Thursday to increase her lead to five strokes after the second round of the LPGA Tours qualifying tournament. CLEVELAND -- Jake Arrieta wouldnt let a road trip and one of the biggest starts of his life stop him from going trick-or-treating with his family this Halloween.The Chicago Cubs pitchers wife, Brittany, shared Instagram photos of their two small children dressed up in their costumes a day before Game 6 of the World Series in Cleveland. She captioned the pictures, Hotel trick or treating (equals) my kind of Halloween.Cooper Arrieta wennt as Spider-Man, while his sister, Palmer, was a princess.dddddddddddd The hotel Halloween experience seems to have been a successful one. Both kids hold lollipops in one of the photos.Arrieta is the Cubs scheduled starter Tuesday. The Cubs need to beat the Indians to force a deciding Game 7 on Wednesday. ' ' '