From what I understand, these policies typically only cover them if their carreers end. It does not cover you if your skills are diminished due to the injury if you continue to try and play. I heard an interview regarding ASam Bradford and whether or not his insurance would cover the losses he will face if his draft status is dramatically affected by the injury to his shoulder. The person being interviewed, a supposed expert in these policies, said the insurance company only pays out if his career ended due to the injury, it does not cover lost wages due to the inability to play at the same level. In other words, if Wood came back, played below his potential and then was released after failing to deliver, he most likely would be SOL.