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NFL pensión: ¿Cómo es el plan de pagos para jugadores retirados?
Por Juan Pablo Aravena
El tema de las pensiones en los deportes estadounidenses nuevamente se ha puesto en la palestra y es hora de ahondarse en como funcionan éstas. En esta ocasión, analizaremos el caso de cómo funcionan las pensiones de la NFL.
Si comparamos a las pensiones de la NFL con las que obtienen jugadores de la NBA o de la MLB, las diferencias son abismales. Los profesionales retirados del fútbol americano sin duda que salen perjudicados al respecto.
NFL Hall of Famer and LA Rams legend @EricDickerson is a vocal advocate for providing lifetime health insurance and a livable pension for former NFL players. He sits down with @gisellefer on this week's #LAStories https://t.co/9PF22tbkpC pic.twitter.com/D39gSefX2U
— Spectrum News 1 SoCal (@SpecNews1SoCal) September 17, 2019
Lo primero que se deben mencionar es que la carrera promedio en la NFL dura solo tres años, lo suficiente para calificar para el plan de pensiones de la liga y éste se basa en los años de servicio de cada jugador. Dicho de otra forma, la pensión mejora a medida que se acumulan más años jugando.
Un jugador con un mínimo de tres años de juego recibiría un cheque de pensión anual de 21.360 dólares al momento de la jubilación. En promedio, los jugadores retirados reciben un cheque de pensión anual de aproximadamente 43.000 dólares de la divisa norteamericana.
Los jugadores que se retiraron en los años 80 y 90 reciben entre 3.000 y 5.640 dólares por mes por cada temporada. Los jugadores recién retirados (desde 1998) reciben 5.640 dólares mensuales por año de servicio y quienes tengan 10 años de servicio reciben un bono de jubilación adicional una vez al año.
As one of many NFL advocates who fought for disability pensions, who fought for savings,annuity programs for our former players, it wasn't until 2007 after the Congressional hearings the Players Care Foundation was put into place and since that... https://t.co/t4R8LcmwUf
— Brandi Winans (@BrandiWinans) September 9, 2019
Cabe destacar también que los jugadores son elegibles para recibir sus beneficios completos recién a los 55 años de edad. Esta pensión es bastante peor que las de la MLB (donde sólo se necesitan 43 días de servicio en un roster activo para calificar) o las de la NBA (casi 60.000 dólares al año por tres años de carrera y un máximo de 195.000 dólares para jugadores con 11 o más años de servicio).
Quizás una de las pocas cosas positivas del plan de la NFL es que ofrece un generoso plan 401(k). La liga iguala la contribución de cada jugador hasta 200%. Pero en líneas generales, no cabe duda de que los beneficios de pensión son bastante precarios, sobre todo considerando los riesgos de este deporte.