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And he must be racking up medical bills, so its good to have the money now instead of later.
I would have thought a great deal of the medical bills are being paid by the NFL and/or insurance.
Id also expect that Shaz had personal insurance that pays him good $ if he got injured. Im sure many of the top athletes have something like that, to make sure they have some continuity of income.
I doubt the NFL pension plan disability provisions kick in for someone with only 4 years.