Out-of-Pocket Medical Bills and Skewed Incentives: Issues with the NCAA Insurance Policy and Its Ironic Support for the Trite Notion of 'Amateurism'

46 Pages Posted: 23 Jan 2014

See all articles by John Leppler

John Leppler

University of Baltimore - School of Law

Date Written: January 22, 2014

Abstract

This Article analyzes the NCAA’s current insurance policy, and argue why its current model gives a student-athlete little to no reasonable alternative than to pursue professional sports, and may also harm the NCAA’s push for amateurism rather than support it.

Part II will summarize both categories of the policy; the Catastrophic Injury Program (“CIP”) and the Exceptional Student-Athlete Disability Insurance Program (“ESDI.”) and their intricacies. This section will also identify problems with each of the programs as to the CIP with the current NCAA concussion litigation and other latent injuries, and the ESDI as it has three glaring issues: The current cost allocation method, the inadequacy in covering a wide-range of injuries concussions and other latent injuries, and covers too few NCAA student-athletes.

Part III will address the problems in both CID and ESDI, and offer workable solutions to the present issues that will both promote amateurism and ensure fairness for the athlete, because, as the insurance stands, the policy is unfair and inequitable for the NCAA student-athletes.

Finally this article will conclude that aside from the proposals to the current policy offered, the NCAA should centralize the health care of all student-athletes because they are what makes the NCAA profitable. It is time for the NCAA to internalize the costs, and support the personnel that put their bodies on the line daily so the “charitable” non-profit under the Internal Revenue Code Section 501-3 can continue to profit and generate tens of millions tax-exempt dollars in revenue directly from the athletic performances of their “amateur” student-athletes.

Keywords: Disability Insurance, NCAA, Exceptional Student-Athlete Insurance, Catastrophic Injury, Amateurism

Suggested Citation

Leppler, John, Out-of-Pocket Medical Bills and Skewed Incentives: Issues with the NCAA Insurance Policy and Its Ironic Support for the Trite Notion of 'Amateurism' (January 22, 2014). Available at SSRN: https://ssrn.com/abstract=2383287 or http://dx.doi.org/10.2139/ssrn.2383287

John Leppler (Contact Author)

University of Baltimore - School of Law ( email )

1420 N. Charles Street
Baltimore, MD 21218
United States

Do you have a job opening that you would like to promote on SSRN?

Paper statistics

Downloads
79
Abstract Views
488
rank
413,526
PlumX Metrics