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After the Fall

As the number of injured professional athletes rises, compensation is finally catching up.
Kenneth Shouler
Posted: February 1, 2001

It started as just an ordinary preseason game. But one play made it anything but ordinary. The Oakland Raiders were playing the New England Patriots on August 12, 1978. Patriots wide receiver Darryl Stingley ran a slant pattern across the middle that left him an easy mark as he reached for an overthrown pass. Waiting for him was defensive back Jack Tatum, who considered himself the hardest hitter in football, meaner than the Chicago Bears' Dick Butkus, and the greatest outlaw to wear Oakland's villainous silver and black. Tatum considered two alternatives. "I could have attempted to intercept," he recalled in his book They Call Me Assassin, "but because of what the owners expect of me when they give me my paycheck, I automatically reacted to the situation by going for an intimidating hit." He once said, "My best hits border on felonious assault." Tatum's shoulders met his prey full bore, breaking the third and fourth vertebrae in Stingley's neck.

"I wasn't expected to live," Stingley says today. A trainer with good intentions but poor technique yanked his helmet off while he lay on the field. His head was not immobilized as he was wheeled off the bumpy Oakland Coliseum field "like a bouncy figure on a string." After two weeks in the hospital he had developed "all the respiratory complications that are so common with these injuries. It wasn't until November, three months later, that I was out of the woods." The incident left him a quadriplegic. Stingley, then 26, was a first-round draft pick out of Purdue five years before. What would become of him?

Stingley's injury was devastating, haunting, final. But it was also the exception. Few of the 17,000 men who have played in the National Football League since 1920 have been crippled for life. But football -- and other professional sports -- are rife with serious injuries that end careers and affect the quality of players' lives.

Since March 1999, serious injuries have leveled prominent athletes in the four major American team sports: basketball, football, baseball and hockey. Jayson Williams, the New Jersey Nets' power forward in the second year of a six-year contract worth $85 million, broke his foot in practice last spring while attempting to come back from a broken leg the year before. His money was guaranteed, but not his career: he retired last June. That same month, San Francisco 49ers quarterback Steve Young announced his retirement after enduring the effects of a fourth concussion suffered the previous October. Last March, Atlanta Braves right-hander John Smoltz succumbed to a torn medial collateral ligament in his right elbow after being disabled twice in 1998 and twice again in 1999. The 33-year-old missed the entire 2000 season. During hockey's Eastern Conference Finals last May, as Eric Lindros, the Philadelphia Flyers' two-time all-star, crossed the New Jersey Devils' blue line, Scott Stevens clocked him with a shoulder-to-head check. Lindros fell, his head bounced on the ice, and he suffered his sixth concussion. The fate of his career is still uncertain.

The Stingley injury had such lasting significance in the NFL that the compensation for active players who suffer a "total and permanent" disability is now commonly known as "the Stingley benefit." But what happens to other injured NFL players, and injured players in other sports? Ultimately it depends upon the kind of contract they signed, their length of service, and the sport they play.

NFL contracts are never guaranteed. A player who, say, signs a five-year deal for $30 million, with a $9 million signing bonus (bonuses are typically about a third of the value of the contract), and has a career-ending injury in his first preseason game after signing, will get to keep his signing bonus, which is guaranteed. But he will not get the dollar value of the full contract, although he has the option of filing an injury grievance to get a settlement on top of his bonus.

Ex-New York Jets wide receiver Al Toon, who had signed a three-year, $4.2 million contract nine months before, retired in 1992 after one too many concussions. The Jets paid him the remainder of his $1.375 million salary for the 1992 season. Players like Toon, who left the game because of injuries but were not disabled to the degree that they couldn't pursue other vocations after their careers, receive what is called a line-of-duty disability. (Players injured more severely, who are unable to pursue other work after their injuries, receive the higher, career- ending disability payout -- the "Stingley benefit.") Toon's temporary disability payout was a microscopic $600 a month in 1993, the first year after his injury. It then went up to $1,000 a month in 1994, and to $1,680 a month from mid-1994 through 1997, and then it stopped. (In the NFL, line-of-duty disability payouts expire after four years.) Fortunately, Toon, 37, now living outside Madison, Wisconsin, is not only able to work but is flourishing. He has a real estate license and a degree in economics, and he invests in real estate, hotels and fast food franchises. "The retirement plan doesn't kick in until 55, [but] you can take it early at 45," he says. "I'm not relying on that."

Though sidelined in October 1999 with his fourth concussion in three years, Steve Young received all of his $7.5 million salary for that year. Young underwent a series of medical tests but was never placed on injured reserve. Upon announcing his retirement the following June, he also drew a $1 million roster bonus from San Francisco. Because of the years Young played, from 1985 to 1999, he can apply for a line-of-duty benefit of $4,070 a month. He has four years to apply but has yet to do so. In addition, he receives $160,000 annually in severance pay.

While contracts are not guaranteed, the increase in benefits by the NFL Player's Association shows an understanding of the dangers inherent in the sport. By 1993, NFL players who had totally disabling, degenerative conditions were covered by the pension plan. Former Oakland center Jim Otto, who is on permanent degenerative benefits for various injuries, receives $110,000 a year for the rest of his life. This standard benefit is paid to players 12 years out of the league, or younger than 45, whichever is the latter. Before 1993, inactive players with disabilities were receiving just $1,000 a month. Since 1993, players who were active at the time of their injuries, like Stingley, get $234,000 a year for life.

"In years prior to 1993, they [the NFL] would simply not recognize the football causation [of injuries]," says Miki Yaras-Davis, the Player's Association director of benefits. "Darryl Stingley was the reason we always looked at total and permanent active [benefits]. He was the first one that had such a dramatic, televised incident."

"Whenever we've negotiated a contract for the active players, we've always gone back and helped the retired players, too," says Gene Upshaw, executive director of the Player's Association. "That's why the Stingley benefit has continued to grow and will continue to grow as we go forward. We've also gone back since 1993 and improved our pension plan for retired players over 50 percent." Tommy "Touchdown" Wilson, now 68, made $9,500 in 1956, the running back's first year in the league. His last contract, for 1963, paid him $38,000. He now receives $4,500 a month, or $54,000 a year in benefits (pensions are based on years of play). The NFL minimum salary is now $193,000, a minimum that increases to $440,000 for a player with five or more years' service.

If Tommy Wilson is a football everyman, Mel Davis is basketball's version. While still at St. John's University in New York, where he played from 1969 to 1973, Davis was injured and underwent reconstruction of his right knee. Nevertheless, the New York Knicks selected Davis 12th overall in the first round of the 1974 National Basketball Association draft. After three years as a part-time power forward, he was waived by the Knicks in 1977 and spent his last NBA season in New Jersey before playing in Europe. His four NBA seasons equal the duration of the average NBA player's career.

In good health, Davis is now the executive director of the National Basketball Retired Players Association. "Collective bargaining agreements have improved our pension package," says Davis. "But our pension needs to be improved in parity with the other leagues. I don't want to get into it too heavy. I'm a very good friend with [NBA commissioner] David Stern and [executive director of the National Basketball Players Association] Billy Hunter. But right now our pension is no way near what football or baseball or hockey is. That's why it needs to be revisited, put on the table and addressed. The guys making the big, big money may not need the money, but there are guys who played six years and didn't make the big money and [could] use that pension money." Pension depends on length of service: $306.34 per year of service is paid to the player each month. "It's a modest pension," says Davis. "Hopefully, the powers that be will change it at the next collective bargaining in four years so that players who made this league what it is today can support their lifestyles like those who played baseball and football do."

The NBA takes far better care of the players who least need it -- its active players. "The vast, vast majority of players in the league, when they sign contracts -- short-term or long, especially long-term guarantees -- have injury guarantees so they get their money, regardless of their ability to play or perform. Somewhere in the range of 90 percent of our players have guaranteed contracts," says Dan Wasserman, director of communications for the NBA. The 10 percent of contracts not guaranteed are those of rookies drafted in the second round, undrafted rookies, and join-on players. "Every first-round pick gets a three-year guaranteed deal," Wasserman continues. "If Kenyon Martin [the New Jersey Nets' first pick in the 2000 draft who broke his leg in college last spring] broke his leg while working out, right now, every penny of that $12 million contract is guaranteed."

So is Jayson Williams's contract. During Williams's retirement announcement last spring, Nets officials surely had in mind what part of Williams's $85 million salary would be paid by their insurance carrier. The team will have to wait until April 1, 2002, to learn if its petition to have Williams declared a permanent medical disability -- and thereby have his pay totally removed from the team's salary cap -- is accepted by the league office. If the league approves the petition, the Nets will have about $3.8 million more salary cap room.

Under a new agreement that came into effect for the 1999-2000 season, the league also posted a new minimum annual salary based on years of service. The minimum is now $1 million for 10-year veterans, as opposed to the old collective bargaining agreement in which there was just one minimum, regardless of length of service, set at $272,000. Thus Herb Williams, the league's senior member at 41 when he played a total of 34 minutes (or about 45 seconds per game played) for New York in 1998-'99, was entitled to $1 million because he was an 18-year veteran.

"Not only do you have guys playing longer because they can make a million bucks, but you have guys coming out of retirement," says Wasserman. Last season, Los Angeles Lakers coach Phil Jackson, perhaps possessed by the compelling belief that he needed John Salley to shore up his title run, brought the center back from retirement. Under the terms of the agreement, Salley, 36, who had last played four years before on the Chicago Bulls 1996 title team, made an estimated $1 million for averaging roughly seven minutes, two points and a rebound a night. Career benchwarmer David Wingate did the same with the Knicks, playing just 32 minutes and scoring two points the entire year.

A first-year NBA player this season must be paid at least $316,969. But when that same player has one year of service, his salary will be raised more than $106,000, to $423,500. Each year after, up to 10 years, his minimum pay increase will average about $65,000 per year. Also, under the new collective bargaining agreement, the 401(k) plan now pays out 140 percent. In other words, if the player decides on putting aside $10,000 of his salary pre-tax, the clubs and league will kick in $14,000 on top of that. "You hear a lot about employer match," says Wasserman. "But I haven't heard one which is 140 percent. In the first year of the program, about 90 percent of the players participated without the match. Now with the match we'll probably have even higher."

Unlike the NFL, Major League Baseball contracts are guaranteed. While neither the MLB Player's Association nor the Baseball Alumni Association granted any interviews despite repeated requests, we know that if Mike Piazza were unable to play for the New York Mets next season due to injury, or Juan Gonzalez continues to flail at curve balls in Detroit, both would receive the full cash terms of their deals. Cases far more interesting than those hypotheticals have already arisen.

Few pitchers in the early 1990s had a sunnier future than Brien Taylor. After he struck out an ungodly 476 batters in 239 innings in high school at Beaufort, North Carolina, and went 29-6 with a 1.25 ERA, the New York Yankees made Taylor their first pick overall in the 1991 draft for a then-record bonus of $1.55 million. Shortly after, Taylor got into a bar fight involving Ron Wilson, a former friend who was on parole, and Taylor's brother, Brenden. Brien Taylor wound up with a damaged shoulder and was charged with misdemeanor counts of assault and communicating threats, counts that were dismissed 11 months later by a Carteret (North Carolina) County district court judge. However, Taylor did pay a price for the altercation.

He needed reconstructive surgery on his pitching shoulder and hasn't since come close to his vaunted 99-mile-per-hour fastball. The Yankees released Taylor after he appeared in 13 games for Class A Greensboro in 1998. In January 1999, the Seattle Mariners signed him to a minor-league deal before releasing him from extended spring training that June without his having pitched in a regular-season game. He pitched in five games for the Cleveland Indians' Class A Columbus team in 2000, allowing eight runs in 2 2/3 innings. Taylor's progress in extended spring training was not adequate and he never returned to active duty. He has since announced his retirement. "He was struggling getting out hitters at the extended level, which are young guys just out of high school or the Latin countries," says Mariners assistant player development director Greg Hunter.

While it is conceivable that the Yankees could have gone after the signing bonus they gave to Taylor, it was not clear whether he was at fault in the barroom brawl. Besides, "the signing bonus is almost impossible to retrieve," says Gary Gillette, an essayist for the encyclopedic Total Baseball and the co-author, with Stuart Shea, of the Baseball Insider. But retrieving a signing bonus is not without precedent. Arbitrator Sam Kagel was called in to mediate a dispute between the Detroit Lions and running back Barry Sanders, who had signed a six-year, $36 million deal in 1997, with an $11 million signing bonus, but abruptly retired prior to the 1999 season. Sanders tried to retain the entire bonus, but Kagel ordered him to repay $5,583,000 of it.

It's different in hockey. If a National Hockey League player has a career-ending injury, he's guaranteed the money under the entire contract. Regarding pensions, the payout depends upon length of service. If a player skates in fewer than 400 games, he collects an annual payout of $8,000 for life, starting at age 45. For someone who plays more than 400 games, he receives an annual stipend of $12,500 for life from the age of 45, as well as a one-time lump sum of $250,000 when he hits 55. If a player plays fewer than 160 games -- the equivalent of two NHL regular seasons -- he receives nothing.

But after the 1995 NHL lockout, in which the main issues were free agency and arbitration, the players ended up with higher salaries and more long-term deals than ever before. "Both sides got something they liked, since they've extended it twice since," says Tim Wharnsby, manager of media relations for the NHL Player's Association. The league minimum salary is now $150,000 and the league average has catapulted to $1,365,000.

While hockey salaries began skyrocketing in the 1990s, all contracts were guaranteed decades ago. "I'd have been paid even if I'd broken my leg in the first year of the contract," says Rene Robert, a right winger who skated in two all-star games and played 744 games over 15 years in the NHL, from 1968 through 1982. Until his last few seasons, Robert, who is now the executive director of the NHL Alumni Association, suffered few major injuries. "I had three multiyear contracts. My first two were three-year contracts and my last one was a six-year contract. In addition, I would have been paid for disability insurance over and above my contract if I was disabled."

Sports injuries are far from new, but concern about them has reached an all-time high. Ruptured ligaments and jumper's knee, stingers and burners, slipped disks and shoulder separations, Achilles tendonitis and degenerative arthritis, groin pulls and rotator cuff injuries -- this is but a short list of the common maladies that beset active and retired professional athletes every day. But when it comes to injuries, with the obvious exception of boxing, pro football draws the most attention.

"The thing over the years that astounds me is the effect that injury plays in a [football] player's life," says Beverley Pitts of Ball State University, who, along with her colleague Mark Popovich, conducted a study of retired pro football players that reveals the long-term consequences of the sport. "By that I mean because [football] injuries happen so abruptly. This is the factor that makes football a different kind of sport. Players don't get to choose those life-changing moments. It is chosen for them, and that's usually because of an injury." The end is not only uncertain for pro football players, but usually imminent: the average NFL career is just 3.5 years, shortest among the major pro sports.

The researchers sent surveys to 2,216 members of the NFL Player's Association, with 55 percent responding. Only 36 percent of the pre-1970 players (those who retired prior to that year) reported having sustained an injury that caused them to miss eight or more games. With post-1970 players, that figure leaps to 65 percent.

The increase is reflected by the sharp rise in knee surgery, both arthroscopic and invasive. The study also showed that instances of invasive surgery actually increased along with arthroscopic knee surgery. Although the data cannot prove it, the post-1970 jump to 65 percent is often attributed (by players and others) to players being pushed to return to the field too fast. That is, in the past, when invasive surgery was the only option, a player had no choice but to miss several weeks after surgery. With the advent of arthroscopy, players feel better faster and go back to playing far earlier. Often, they are back long before their knees are strong enough to take it, so they get hurt again.

Arthritis was the most commonly reported health problem among the retired players, with 47 percent reporting the condition. The study also revealed that more players today are retiring earlier due to injury. Of those who played before 1970, 42 percent said they retired by choice, while 30 percent said that injury caused their retirement. For those playing since 1970, 22 percent elected to retire while 46 percent said that injuries compelled them to do so.

Although their career may be brief, their retirement years needn't be, despite an old locker room myth. A National Institute for Occupational Safety and Health mortality study completed in 1994 disproved the myth that the average professional football player dies at the age of 52. The study examined the death certificates of former players and found that, as a group, they had longer-than-average life spans. But old myths die hard.

"In 1994, on the day of Super Bowl XXVIII, a doctor spoke [at a press conference] and said, 'What we've come up with is that players don't die at 52, they live an average of 72 to 79, slightly longer than the average American male,'" recalls Frank Woschitz, director of the NFLPA Retired Players Association. "About 600 people were at that press conference and at least 400 got up and walked out, because they had already written their stories that football caused early death."

Even if NFL players' average life span is no longer in question, the quality of that life still is. "My point has always been to [the players], 'No, you're not going to die early, but your old age may be very uncomfortable,'" says Yaras-Davis.

Just ask Norman Scott. The team physician for the New York Knicks since 1978, and now for the Women's National Basketball Association's New York Liberty, as well, Scott is an orthopedic surgeon specializing in knee surgery.

"It's not just professional athletes," he says. "The thing that we worry about in people who do repetitive trauma and high-force types of events is that there is a negative impact on their joints." With joints primed in such fashion, all it takes is one injury. "The literature seems to say now that if you have absolutely normal knees, absolutely normal joints and never have an injury, and there's no evidence to suggest you wore your knees out, once you have an injury, you're probably more likely to have degenerative arthritis. With arthritis, in general, you have night pain, swelling sometimes; the more active you try to be, it tends to bother you more. You have constant discomfort."


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