You've Earned These Benefits. Here's How to Use Them.
The NFLPA has negotiated comprehensive coverage and support for every stage of your career and beyond.
Understanding Your Eligibility
Your benefits grow with your career. Each credited season unlocks new levels of coverage and financial support — and once you're vested, even more becomes available to you. Visit your personal dashboard or NFLPlayerBenefits.com to see exactly what you have access to right now.
Benefits by Credited Season
| 1 Credited Season (Non-vested player) | 2 Credited Seasons (Non-vested player) | 3 Credited Seasons (Vested player) |
|---|---|---|
| 401(k) Savings Plan | 401(k) Savings Plan + Club Match | 401(k) Savings Plan |
| Disability & Survivor Benefit Plan | Disability & Survivor Benefit Plan | Disability & Survivor Benefit Plan |
| Tuition Assistance Plan | Tuition Assistance Plan | Tuition Assistance Plan |
| Severance Plan | Severance Plan | |
| NFL Players Insurance Plan* | ||
| Annuity Program | ||
| Capital Accumulation Plan | ||
| Pension Plan | ||
| Health Reimbursement Account (HRA) | ||
| Dedicated Hospital Network | ||
| Former Player Life Improvement Plan | ||
| 88 Plan | ||
| *Players with three or more credited seasons are eligible for 5 years of free extended coverage (Medical, Dental, Vision, and Prescription Drug) | ||
Work/Life Resources
Employee Assistance Program (EAP)
Your mental health matters — on and off the field. Through Cigna Healthcare's Employee Assistance Program (EAP), you, your eligible dependents, and household members have access to confidential support from licensed clinicians and work/life resources for a wide range of concerns. Everything you share is kept completely confidential — the NFL, NFLPA, and NFL Clubs are never informed of who uses this service.
What's Included
- Up to eight free counseling sessions per topic per year, available in-person or virtually
- Unlimited telephonic consultations with licensed clinicians, available 24/7
- Support for personal and family relationships, stress and anxiety, alcohol and substance use, and more
- Educational materials on a broad range of life concerns
- Coverage extends to eligible dependents and all household members
Your Benefits, Your Future
The NFLPA has negotiated a comprehensive set of benefits and resources to support you at every stage of your career and beyond — from insurance and financial plans to health care, counseling, and long-term support programs. Here's a full breakdown of what's available to you.
List of Benefits
Provides benefits to vested players diagnosed with Dementia, ALS, or Parkinson's disease to help cover expenses directly related to their diagnosis.
- The Tax-Qualified benefit is eligible for distribution at the later of five years after your last credited season or age 35.
- The Non-Qualified benefit is eligible for distribution at the earlier of five years after your last credited season or age 45.
Log in to NFLPlayerBenefits.com or call the NFLPA Benefits Department at (800) 372-2000 to check your balance, review distribution rules, or update your beneficiaries.
Distribution eligibility begins at the later of age 40 or five years after your last credited season.
Log in to NFLPlayerBenefits.com or call the NFLPA Benefits Department at (800) 372-2000 to check your balance, review distribution rules, or update your beneficiaries.
Available to vested players under age 65, the DHN provides 100% coverage for preventative care, up to $25,000 per year for primary care, and up to $25,000 per year for mental health care.
To access services, call (800) 635-4625, prompt 3, to connect with the Cigna Dedicated Concierge Team.
The NFLPA has negotiated three distinct disability benefits — Line of Duty, Neurocognitive Disability, and Total and Permanent Disability — to support you through a range of circumstances. The NFLPA Disability team can help you understand your options and navigate the process at no cost to you.
Available to vested players after their five years of Continuing Vets Coverage ends, the HRA can be used to reimburse a wide variety of IRS-eligible medical expenses. A Prescription Drug Card lets you pay for medications directly from your HRA account.
A range of benefits designed to support retired players as they transition out of the game.
- Medicare Supplement: Available to retired players age 65 or older who have Medicare Parts A and B and are enrolled in a qualifying Medicare Supplement or Advantage Plan.
- Counseling: 24/7 access to licensed clinicians for mental health, alcohol, and substance use concerns through the Employee Assistance Program, including up to 8 in-person sessions per topic. Available to former players and any dependents living in their home.
- Joint Replacement: Available to vested former players when deemed medically necessary by a board-certified orthopedic surgeon or rheumatologist. Call (800) 635-4625 to learn more or find out if you qualify.
Provides vested players with lifetime monthly benefits beginning at age 55. Payments can be deferred until age 65 for a higher monthly amount. The plan also provides survivor benefits to eligible spouses, children, and other beneficiaries.
Provides life, medical, prescription, and dental insurance benefits to vested former players. Vested players receive five years of Continuing Vets Coverage following retirement.
Distributions are available beginning on your 45th birthday.
- Note that IRS penalties may apply for distributions taken prior to age 59½.
Log in to NFLPlayerBenefits.com to check your balance, change investments, review distribution rules, or update your beneficiaries.
Players with two or more credited seasons are eligible to receive a lump-sum payment 12 months following their last NFL contract. For more information, contact the NFLPA Benefits Department at (800) 372-2000 or benefits@nflpa.com.
The NFL Player Tuition Assistance Plan reimburses eligible players for tuition, fees, and books up to the maximum allowable benefit. Former players with two or more credited seasons are eligible if expenses are incurred within 72 months of the first day of the League Year immediately following their last regular or postseason game.
For more information, visit the [Tuition Reimbursement page] or contact the Benefits Office at (800) 372-2000 or benefits@nflpa.com.
The Work/Life Resources benefit gives you and your household members access to confidential support for a wide range of health and life concerns — at no cost. Benefits include up to 8 face-to-face or virtual counseling sessions per issue per year, plus unlimited telephonic consultations available 24/7.
Call a Cigna Advocate at (866) 421-8628 to get started.