FGump wrote:The insurance company doesn't set your course as a company. But your premiums and your coverage options will be determined by what choices you make, so they obviously might be consulted to determine the ramifications of the alternatives being negotiated.
OK, I see that.
But your what-if as pertains to insurance doesn't reflect the situation. It makes the consequences of the current course more dire than they actually are, and I'm not sure they require a change.
You say, "If he plays 10 games and the insurance company is truly off the hook ..." with the implied assumption that he's only playing 11, rather than with the assumption that he is well again.
But you've forgotten. If he's well enough to only play 11, then INSURANCE WILL START AGAIN when he is again unable to play!! Boston and Portland will both get paid, I'd think.
I was thinking about the cap instead of the separate insurance policy benchmark which is 41 straight games missed... had not occurred to me. thanks
And if instead he returns and keeps playing, then there is no valid insurance claim. Again, it's still equitable.So Portland ends up getting insurance reimbursement IF IT'S MERITED - and doesn't get it if it's not.
Works for me on the insurance, if the benchmark is playing or not on any team 41 games and that is the line in this rather more complicated situation...
That doesn't seem to necessitate a rules change, in my estimation.
The rule is purely about the cap amount not the insurance and is not affected by who is paying the salary that that I see.
It works the same on the cap even if they were excluded from the insurance.
As you and Dunk just explained... if he plays 10 games he is considered to have played the entire season.
So the second round of a year's wait would be from the end of that 10 or more games season, to the end of the following season. At least 3 years out from the original injury.
(which is when, in Portland's case, the salary is off the cap anyway)
Since cap relief from the loss of an injured player was the intent of the rule, if the player tries to come back and really failed from the injury, if he barely triggered the the 10 game mark, I think they might decide that the rule in practice did not fit the intent.
Two years wait was considered too much hardship and changed to one, while this in practice ends up with 3 years of no cap relief.
Obviously your millage varies on this opinion.