Chronic traumatic encephalopathy (CTE) is a degenerative brain disease linked to repeated head trauma, and it has become one of the defining health concerns for former NFL players. The challenge: CTE can only be confirmed after death.
That doesn’t mean former players are out of options. Several NFL benefits cover the symptoms and conditions associated with brain injury, and none of them require a CTE diagnosis.
Common symptoms former players report
- Memory loss and confusion
- Trouble focusing or making decisions
- Depression, anxiety, irritability or aggression
- Headaches and sleep problems
- Changes noticed first by family members
Benefits for NFL brain injury symptoms
$4,500 a month for mild and $6,500 a month for moderate neurocognitive impairment. You must apply within 7 years of release.
For vested former players with dementia, ALS or Parkinson’s: up to $185,000 a year for facility care and $165,000 for at-home care.
Monetary awards for players who retired on or before July 7, 2014 with a qualifying diagnosis, including Level 1.5 or 2 neurocognitive impairment. Death with CTE applies only to players who died before April 22, 2015.
If brain-related symptoms keep you from working, T&P may pay $5,000 to $22,084 or more a month.
What to do if you’re noticing symptoms
- See a neurologist or neuropsychologist and get a baseline evaluation.
- Write down what you and your family are noticing, and when it started.
- Check your Neurocognitive deadline: 7 years from your release.
- Get a free review to see which benefits fit your situation.
None of these benefits require one. They’re based on the symptoms and conditions you live with now.
Frequently asked questions
Can living NFL players be diagnosed with CTE?
No. CTE can only be confirmed after death, but its symptoms can support benefit claims during life.
What NFL benefits cover brain injury?
The Neurocognitive Disability Benefit, the 88 Plan, Total & Permanent disability and, for eligible players, the concussion settlement.
Does the concussion settlement cover CTE?
Only for players who died before April 22, 2015. Living players may qualify through other diagnoses like Level 1.5 or 2 neurocognitive impairment.
Figures reflect the 2020 NFL–NFLPA Collective Bargaining Agreement and NFL Player Benefits materials as of 2026. The plan documents govern, and benefits can change. Legacy Pro Sports is not affiliated with the NFL, the NFLPA or the plans.
Contact us if you believe you may be eligible for filing a claim. Get your FREE, no-obligation consultation today!