Idea

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I floated this idea to another member, and he suggested I post it for consumption.

Real MLB clubs have insurance policies that guarantees $$ back for players that come down with major injuries.

Wondering if it is feasible for us to have something similar. 

Say someone signs Clayton Kershaw for 25 million a year over 5 years.  He gets the Tommy John bug, and is out for 1.1 years with surgery/recovery time. Perhaps an insurance policy could be bought for, say 5 million dollars where that person can recoup 1 fiscal year of the salary portioned out towards the remaining years of the contract.  So if injury happened in year 2 of a 5 yr contract, the Kershaw owner would get Year 2 salary back, and it spread out over 3 years back in the owner's budget.

Money paid into insurance policies could go into a bank that is portioned off at the end of the year based on 1st, 2nd, 3rd place finishes maybe, or reverse the order for last 3 spots in finishes.

The more I write this out the more this kind of makes no sense to me, lol.  Anyways, I wanted to just drop an idea off.  Anybody want to build on this idea or take away, or just squash altogether, have at it.

Happy Thanksgiving guys.

Brew

[ex-Pittsburgh Pirates]

We already have a mechanism in place to give you a percentage of money back in case the player is injured. In fact, you can use it even if the player is not injured. It's called cutting him. Real life teams have to guarantee the money 100%. Here, if you cut you get 50% back immediately and 75% back in future years. Seems like a good bargain to me.

I like the concept, but it's complicated and you can just cut the guy already.

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Gotcha Pitts...thanks for the reply