Critical Care Benefit Program

The Trust's Critical Care Benefit Program assists eligible former players with coverage for select emergency medical and critical illness expenses. The cost of treating an urgent medical condition independent of health insurance can cause significant financial strain. With the support of the Critical Care Benefit Program, uninsured players afflicted with a dire medical concern can prioritize their care while mitigating economic stress.

Covered Conditions: The former player must have one (or more) of the following covered conditions: benign brain tumor or osseous tumor, cancer (invasive, non-invasive, and skin), coronary artery bypass, coma, loss of ability to speak, hearing, or sight, paralysis of 2 or more limbs, heart attack, sudden cardiac arrest, valve disease, arrythmia, congestive heart failure, kidney failure, major organ transplant (bone marrow, heart, lung, pancreas, or liver), ALS, Alzheimer’s Disease, Multiple Sclerosis, advanced Parkinson’s Disease, Parkinsonism, essential tremor, severe burn and stroke.

Eligibility Requirements

  • Enrolled in the Trust;
  • Vested (Former Players with three or more credited seasons. Spouses and children are not eligible);
  • Under age 65;
  • Not eligible for or enrolled in Medicare (also cannot be enrolled in Medicaid);
  • Uninsured (Former Player must not be enrolled in other group or individual health insurance coverage with the exception of the Gene Upshaw NFL Player Health Reimbursement Account Plan (the “HRA Plan”), the NFL Player Disability & Neurocognitive Benefit Plan, the Former Player Life Improvement Plan, the NFL Dedicated Hospital Network, and the 88 Plan);
  • Must have a Covered Condition; and
  • Financial need (income not greater than 500% of the Federal Poverty Line).

Annual Maximum:

The Critical Care Benefit Program will reimburse or pay up to $50,000 (the “Annual Maximum”) per Trust fiscal year (March 1 – February 28) (the “Plan Year”) for eligible costs for medical care that is related to the treatment or alleviation of a Covered Condition. Eligible former players may receive up to the Annual Maximum each Plan Year, beginning on March 1st.

Frequently Asked Questions (FAQs)


Application Checklist


Application Checklist

For information regarding medical exclusions click the link below

Why Enroll?

The Trust is a benefit that you earned. Get started to access your benefit.

Already A Member?

Contact your program manager to take advantage of your benefits.

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