Current Student-Athletes - Disability Insurance - Murray State University Athletics

Exceptional Student-Athlete Insurance Program

Disability insurance through the NCAA is available to student-athletes who realistically anticipate receiving a significant amount of money as professional athletes because of their present market value as future professionals. Market value is based on an objective professional evaluation. These coverage limits are for the NCAA program only.

Football: Players projected to be picked in the first three rounds of the NFL draft. ($3.0 million max)

Men's Basketball: Players projected to be picked in the first round of the NBA draft. ($4.4 million max)

Women's Basketball: Players projected to be picked in the first round of the WNBA draft. ($250,000 max)

Baseball: Players projected to be picked in the first round of the MLB draft. ($1.5 million max)

Men's Ice Hockey: Players projected to be picked in the first three rounds of the NHL. ($1.2 million max)

How much does the insurance cost?

The amount depends on the type of policy, your sport and how much coverage you are offered. The cost per thousand dollars of coverage may range from $3.50 to $14.00.

For example, a $1 million policy could vary from $3,500 to $14,000 annually. Under the NCAA program, the maximum premium for a defensive football player is $29,250 and the maximum for offensive players is $23,400.

Learn More about Diability Insurance

The NCAA sponsors the “Exceptional Student-Athlete Disability Insurance Program;” which includes as a benefit to the student-athlete the automatic securing of a loan if the student-athlete’s rating qualifies him for coverage.

Catastrophic Injury Insurance Program

The NCAA also sponsors a Catastrophic Injury Insurance Program which covers the student-athlete who is catastrophically injured while participating in a covered intercollegiate athletic activity. The policy has a $90,000 deductible and provides benefits in excess of any other valid and collectible insurance. See the benefit summary for program information by clicking here.

Disclaimer: Murray State University Athletics is not endorsing any registered entity or individual, and is not responsible for, and disclaims, any liability for the acts or omissions of any registrant. Murray State is also not responsible for, and makes no representation concerning, the skill, honesty, or competence of any registrant, or any other person.