arch 2015, USC wide receiver Marqise Lee sued his insurer, Ll

NASHVILLE, Tenn. -- Tennessee coach Mike Mularkey says starting left guard Quinton Spain has a bruised bone in his right knee and will miss up to four weeks.Mularkey said Monday the injury is serious but not as significant as the Titans had feared.Spain was carted off the field in the second quarter of a 34-26 loss to Indianapolis.Cornerback Perrish Cox is in the concussion protocol and likely will not be cleared to play Thursday night when the Titans (3-4) host the Jaguars (2-4).Mularkey says coaches will look options to replace both Spain and Cox in the starting lineup. Brian Schwenke replaced Spain, while the Titans rotated both Valentino Blake and Brice McCain after Coxs injury.---Online:AP NFL: www.pro32.ap.org and AP NFL Twitter feed: https://twitter.com/AP-NFL NMD Skor Billigt . -- If Henry Burris has his way, he will be the starting quarterback to lead the Hamilton Tiger-Cats back to the Grey Cup next year. Adidas NMD R1 Rea . Murray beat Sam Querrey 7-6 (5), 6-7 (3), 6-1, 6-3 to clinch Britains opening-round victory against the United States on Sunday at Petco Park. "Im proud of the way Im playing just now, because I had to do a lot of work to get back to where I want to be," Murray said after celebrating with his teammates on the red clay court in a temporary stadium in left field of the downtown home of baseballs San Diego Padres. http://www.nmdsverige.com/stan-smith-adidas-skor.html . -- Vincent Lecavalier got everything but the desired result in his return to Tampa Bay. Adidas NMD R2 Herr .ca looks back at the stories and moments that made the year memorable. Adidas Superstar Herr Rea . LOUIS -- Alexander Steen scored a power-play goal with 59. Sources revealed Wednesday that Clemsons Deshaun Watson?has taken out?two insurance policies against a career-ending injury: a $5 million total disability policy and a $5 million loss of value policy.The reality is, players rarely end up receiving a payout, even after theyve sustained an injury. And when they do get paid, its still unclear whether the IRS has dibs on a cut of the money.Heres a primer on how these policies work:What is a total disability policy?It protects a player should he become unable to play football again because of an injury. This covers an injury on or off the field, usually from the time a player signs the policy until the following football season. The only reason something wouldnt be covered is if theres a pre-existing injury; the insurer might specify in the policy that the player would not be covered if the same injury occurs again.A player can attempt to come back from an injury and still collect, but in general, policies wont pay out if hes able to play in more than four games following the injury.A player cant just decide that he cant play. A doctor, sometimes one from the players side and one from the insurers side, must agree that is the case.What is a loss of value policy?It is an attachment to the disability policy. It projects where a player is supposed to go in the draft and then provides for a payment up to a specific amount, should the player fall in the draft order because of an injury.A player can get paid a small amount if he doesnt slip far, or the whole amount, as Ifo Ekpre-Olomu received when he was projected to be a first-round pick and an injury caused him to slip to the seventh round. Someone who didnt collect in this years draft was Myles Jack, who fell to the 36th overall pick, but only would have started to collect money at Pick 45.The loss of value must be associated with an injury. Theres no coverage for falling in the draft due to other issues. ?What do these pollicies cost?A rule of thumb is about $10,000 for every $1 million in coverage.dddddddddddd Previously, the NCAA helped secure a loan for the premium, which would be paid by the players family, but a couple of years ago, that changed when it was discovered that schools were allowed to take out the policies themselves.Sources said that Clemson took out a policy for Watson through International Specialty Insurance, which has established itself as the leader in the space, especially when it comes to offering loss of value.How often do players collect?Not too often on total disability. It has happened only a handful of times in the past 15 years. Loss of value collection has occurred more often. Players who have collected over the years include Ekpre-Olomu and Jaylon Smith, who will collect a lump sum of $900,000 after slipping in this years draft.In March 2015, USC wide receiver Marqise Lee sued his insurer, Lloyds of London, when he slipped in the 2014 draft, claiming he was owed $4.5 million. But Lloyds argued that at the time he signed his policy, Lee had an injury that he didnt disclose. The two sides agreed to settle the case for an undisclosed amount this May.And in case youre wondering, when there is a payout, all of the money goes to the player. None of it goes to the school.When a player collects, is it tax free?When a player pays for a premium up front or takes out a loan to pay it, it is tax free. When the school pays for the premium, its not yet clear. The IRS hasnt formally ruled on whether taxes have to be taken out of the lump sum collected because the player didnt pay for the premium to begin with.Why do schools pay?This is now a good way for a school to keep a player who might be scared to return. In other words, the school is saying, if you hurt yourself, weve got your back. ' ' '