Home/NFL Benefits/Total & Permanent

NFL Total & Permanent Disability Benefits

Can't work anymore? That's what T&P is for.

Total & Permanent (T&P) disability pays former NFL players who can no longer hold a job because of injury or illness, every month, for as long as the disability lasts. Your category sets the amount, and we fight to get it right.

$22,084
per month, highest category
$5,000+
minimum per month
Ongoing
for as long as you're disabled
What it is

Who qualifies for NFL T&P disability?

T&P is a monthly benefit from the NFL Player Disability & Neurocognitive Benefit Plan for former players who can no longer work for pay because of injuries or illness, and whose disability is expected to be permanent. Football injuries, other medical conditions, or both can count.

Unlike Line of Duty, T&P is about whether you can hold a job. The Disability Board reviews your medical records and reports from its neutral physicians to decide.

Fewer than 3 credited seasons?

You can still qualify, but you have to apply within 18 months of your release. Don't wait on this one.

Four categories. Big differences.

Your category depends on what caused your disability and when it started. Getting it right can mean thousands more every month.

Football, early onset

Active Football

$22,084/mo

Disability from NFL football activities that started while you were still an Active Player.

Non-football, early onset

Active Nonfootball

$13,750/mo

Disability from something other than football that started while you were still an Active Player.

Within 15 years

Inactive A

$11,250/mo

Disability that started after your playing days, within 15 years of your last Credited Season.

15+ years

Inactive B

$5,000/mo

Disability that started more than 15 years after your last Credited Season.

Monthly minimums. Your benefit may be higher based on your Credited Seasons.

T&P quick check

What could T&P pay you?

1How many credited NFL seasons?4
2How long since you were released from your last team?3 yrs
3Can you hold a full-time job today?
Your T&P estimate
Up to $22,084
per month, depending on details we’ll cover on your call.
Likely categoriesActive or Inactive A
Monthly benefit$11,250–$22,084/mo
Filing deadlineApply as soon as you can
Book my free T&P review →
Based on published plan minimums. Your category and benefit are set by the Disability Board after review. The top amount applies to players in the highest category.
How we handle it

Your T&P claim, start to finish

T&P claims are won on the details. Here's how we handle yours.

Step 01

Free T&P review

A 30-minute call. We go over your health, work history, seasons and release date, and tell you straight which category fits.

Step 02

Build the medical record

We gather the records that show why you can’t work, and evidence for when your disability started, which drives your category.

Step 03

File and prepare for exams

We submit your T&P application to the NFL Player Benefits Office and prepare you for the neutral physician exams.

Step 04

Appeal if denied or under-rated

If you’re denied or placed in a lower category, we handle the appeal with new evidence until there’s a final answer.

Played in MLB?

MLB Total & Permanent Disability

Former MLB players with 4 or more years of MLB service who can no longer work may qualify for $6,000 a month until age 62, plus $600 for each qualified dependent, no matter how long ago you were released.

$6,000/mo
See the MLB T&P page →
Denied, then approved
“I was denied the benefit and Legacy Pro Sports kept pushing me, kept me motivated and made sure I got in front of the right people… And now today, I am approved.”
Shaquem GriffinNFL Benefits Winner

A denial, or the wrong category, isn't final. We review the decision and file the NFL disability appeal.

FAQ

NFL T&P disability questions

Don't see yours? Ask us on a free call.

It depends on your category. Monthly minimums are $22,084 (Active Football), $13,750 (Active Nonfootball), $11,250 (Inactive A) and $5,000 (Inactive B). Your benefit may be higher based on your Credited Seasons.

Former players who can no longer work for pay because of injury or illness, and whose disability is expected to be permanent. It can come from football injuries, other conditions, or both.

Line of Duty is for a lasting football injury and you can keep working. T&P is for players who can’t work. Some players qualify for one, then the other, as their health changes.

Yes, but you must apply within 18 months of your release. After that, T&P is generally closed to players with fewer than 3 credited seasons.

Mainly by what caused your disability (football or not) and when it started. Proving an earlier start date can move you into a higher category, which is why the records matter so much.

Yes. You can appeal a denial or a lower category. Many T&P claims are won on appeal with stronger medical and work evidence. We handle the NFL disability appeal for you.

The right category
changes everything.
Book a free T&P review → See all my benefits