If Leonard Fournette had decided to play in the Citrus Bowl with his LSU teammates, he would have been well-compensated for a career-ending injury.
According to a report from ESPN’s Darren Rovell, who cited the language in Fournette’s insurance policy, Fournette would have been due a tax-free $10 million payment if he played the bowl game, got hurt and could never play again.
If Leonard Fournette played bowl game, got hurt & could never play again, he would collect a tax free $10 million, per his insurance policy.
— Darren Rovell (@darrenrovell) December 20, 2016
That’s an incredible sum of money for a player who has never played a down in the NFL, but the language in that payout is important.
“Could never play again” appears to be the circumstances under which the insurance policy would pay out. That means the injury Fournette would have to suffer would have to be so severe that the insurance company would need to be satisfied by the assessment of doctors who would deem Fournette unable to play the game any longer.
While that’s a nice thing to fall back on, it’s also a very unlikely scenario. Most injuries suffered on the football field, even the ones of the severe variety, are injuries from which players can ultimately return to play.
The concern for Fournette would be a bowl injury significant enough to both lower his draft stock and hinder his ability to produce at full-capacity for the remainder of his career. The college football injuries sustained by former South Carolina RB Marcus Lattimore serve as an example of that type of injury.