Nick Chubb has $5M injury insurance, but there's a catch

Nick Chubb suffered a brutal injury on Saturday afternoon, but his injury insurance policy is a little complicated.

Georgia running back Nick Chubb, who was a Heisman favorite entering the season and eyeing a future in the NFL, suffered a brutal injury on Saturday against Tennessee that was so severe that he actually passed out from the pain on the sideline.

Almost immediately, the reaction from fans focused on Chubb’s health and the fact that he’s a 20-year old kid who just suffered what might be a career ending injury that could take millions of dollars out of his future pockets. This isn’t a new debate in college football, as paying students has been something that is constantly talked about but becomes relevant once again when something like this happens.

There is indeed some injury insurance for Nick Chubb in the form of $5 million, but there’s a massive catch which will probably prevent him from ever seeing that money. According to NFL Draft guru Matt Miller, the only way that Chubb will see that insurance money is if there is a permanent disability — which probably isn’t the case.

I'm told Georgia RB Nick Chubb does have $5M insurance policy paid for by the school, but only for "permanent disability".
— Matt Miller (@nfldraftscout) October 10, 2015

Of course, the last thing we want is for Chubb to see this $5 million, but for very different reasons than the NCAA does. Where the NCAA wants all the pieces of the pie to themselves, fans of football and those of us with souls want Chubb to collect much more than $5 million over the course of a professional career in football.

Right now all that matters is Chubb getting healthy again and bouncing back from one of the most brutal football injuries we’ve ever seen. There’s hope that can happen, but this should be a cautionary tale to all college football stars that the injury insurance policy isn’t as solid a deal as it seems in theory.

This could actually be a landmark case when it comes to college football players getting some form of actual solid compensation for putting their bodies on the line for the betterment of the university and the NCAA. There will probably never be a players union in college football, but if Nick Chubb is screwed out of his own injury policy because he wasn’t permanently disabled by this hit, is a bad look for everyone.

Basically, the NCAA would be saying that it sucks Nick Chubb isn’t going to be making all he can at the professional level but they’ll be damned if they’re going to compensate him for the money he made them. This is the central focus of the problem with the paying college players debate, but we might be able to meet in the middle with better insurance policies after this devastating Chub injury that might get messier as time goes on.

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Nick Chubb has $5M injury insurance, but there’s a catch

By Josh Hill | Oct 10, 2015

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