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Speaker 1: Welcome to the NFL Legends Podcast, an NFL podcast for

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Speaker 1: the players, by the players. Here is your host, four

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Speaker 1: teen year NFL veteran and Hall of Famer Anius Williams. Hello,

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Speaker 1: Welcome to part two of our NFL podcasts about Legends,

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Speaker 1: Benefits and with me is Tracy Pearlman, Behardi Van Pelt

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Speaker 1: and Jacob Frank listener. Besides the y m c A

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Speaker 1: in terms of healthcare workout facility and the trust has

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Speaker 1: released to school and is there any other benefit that

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Speaker 1: comes to mind that would benefit a newly minted There

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Speaker 1: are so many. The thing like there are perks getting

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Speaker 1: your highlight film from NFL Films. Every time we tell

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Speaker 1: a guy as soon as they walk off the field,

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Speaker 1: or like where what's the phone number over there? And

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Speaker 1: things like they've been paying for NFL Sunday ticket, Well

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Speaker 1: it's free. They're like, what do you mean? So there

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Speaker 1: are literally low hanging fruit, easy things that we say

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Speaker 1: to guys and they're like, I never even knew that.

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Speaker 1: So I wouldn't just point out one thing. I think

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Speaker 1: the other thing is understanding the health insurance piece of

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Speaker 1: it is big. Understanding what you have when it's over

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Speaker 1: how to transition out of it. What your hr A

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Speaker 1: is that is a big thing. Line of duty comes

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Speaker 1: up a lot um and I want to make sure

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Speaker 1: that when a guy retires, he knows. And in respect

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Speaker 1: to the free agents, like we have all of this

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Speaker 1: stuff posted, all the excess information is posted. We have

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Speaker 1: a one cheeter on SIGNA. We have a one cheeter

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Speaker 1: on every PE program. If you want to get into development,

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Speaker 1: there's a PE program called Bridge Success in October if

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Speaker 1: you think it really is over and you want to

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Speaker 1: understand your transition. So I would say that now that

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Speaker 1: this is all happening and we're all in place, there

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Speaker 1: is so much information out there for you. You have

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Speaker 1: to be open to it and let us know. Hey,

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Speaker 1: look you should read all of it. You may not

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Speaker 1: know which way you want to go, take a look

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Speaker 1: at it, and and this way you can say, hey,

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Speaker 1: you know what, let me get a little more information here.

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Speaker 1: But I'm going to continue to go to the access training.

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Speaker 1: At the same time, I want to understand what's going

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Speaker 1: on with my signal benefits and you know what, I

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Speaker 1: might want to stay in football and broadcasting. So I'm

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Speaker 1: going to register for the boot camp for the broadcasting

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Speaker 1: boot camp. So I think that there's so many opportunities

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Speaker 1: if you're a free agent, and then if you're a

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Speaker 1: new legend. A lot of the guys go into coaching.

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Speaker 1: We start talking to players and they don't realize if

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Speaker 1: you are a former player and you're coaching youth or

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Speaker 1: high school football, there are three different grants you can

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Speaker 1: get for your schools. So staying connected just opens a

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Speaker 1: lot of doors for you, and we just want to

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Speaker 1: be there to open the door. The health insurance is huge, huge,

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Speaker 1: you know the one thing we stress. You were talking

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Speaker 1: about a guy that has transitioned out, so he's not

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Speaker 1: looking to play anymore, but he's newly out of the

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Speaker 1: league braining body. The assessment that way we offer. Get

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Speaker 1: with us, will send you to our medical partners. You

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Speaker 1: will establish your baseline when you left the league. This

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Speaker 1: is where you were from a health and wellness standpoint,

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Speaker 1: So you get that done immediately and you have a

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Speaker 1: reference point so now if something changes over time, you'll

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Speaker 1: always be able to go back to three months after

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Speaker 1: I was done, six months after I was done, a

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Speaker 1: month after I was done, this is where I was.

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Speaker 1: So that way, while you're on your continue with that coverage,

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Speaker 1: you can take care of some of those things. If

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Speaker 1: everything is fine, that's fine. The great thing about is

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Speaker 1: that every five years you'll be able to come back

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Speaker 1: and do braining body again. So you basically can get

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Speaker 1: three physicals within the first fifteen years that you're out,

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Speaker 1: and it helps you when it comes to your continue

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Speaker 1: with that covery, whether you choose to go on Cobra

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Speaker 1: after that, if you get a job and your your

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Speaker 1: employer offers your insurance, but that that initial assessment and

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Speaker 1: that baseline and then understanding the continue with that coverage

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Speaker 1: and the benefits that are offered so that you you

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Speaker 1: can stay on top of your health. I always use

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Speaker 1: the term taking ownership of your health because you're so

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Speaker 1: used to going to the team, trainer, the team and

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Speaker 1: so there there's a different type of mindset and different

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Speaker 1: type of process that has has that happen now and

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Speaker 1: God forbid, something comes up that could have been addressed

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Speaker 1: through your continue with that coverage within the first five years,

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Speaker 1: but you're not aware of it too year six. Yeah. Yeah,

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Speaker 1: I don't piggyback off of that a little bit on

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Speaker 1: comments that the Bohody and Tracy made about getting that

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Speaker 1: information making sure you're keeping your eyes and ears out

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Speaker 1: for the benefits information. It's crucial for those those newly

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Speaker 1: minted legends to make sure their address is updated with

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Speaker 1: the NFL Player Benefits Office. Make sure your address is

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Speaker 1: updated on NFL Player Benefits dot Com for those listening.

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Speaker 1: You may have moved to various clubs over the course

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Speaker 1: of your playing career. Your address may have changed. Make

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Speaker 1: sure your address is updated where you want to receive

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Speaker 1: that benefits information. The NFL Player Benefits Office does a

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Speaker 1: terrific job sending out personalized benefits portfolios. They're gonna send

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Speaker 1: it to you quarterly, they're gonna send you an annual statement.

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Speaker 1: You're gonna want to make sure your address is updated

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Speaker 1: in order to receive all of the player benefits information,

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Speaker 1: and most importantly, updated addresses ensure that your benefit payments

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Speaker 1: are being sent and deposited to the appropriate location, such

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Speaker 1: as your severance paid the bhady mentioned that's going to

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Speaker 1: be sent to your address that's on file with the

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Speaker 1: Player Benefits Office roughly one year after your last date

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Speaker 1: under your NFL contracts. So that's the important. Uh, that's

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Speaker 1: very important as to why you want to have your

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Speaker 1: address updated. I would also highly highly advise those newly

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Speaker 1: minted legends to make sure your beneficiaries up to date.

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Speaker 1: Many of you may have first named your beneficiaries when

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Speaker 1: you were a rookie in the NFL, and several life

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Speaker 1: events have probably occurred since that time, whether it's the

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Speaker 1: birth of a child or children, or perhaps marriage, or

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Speaker 1: perhaps there's an individual that you once named that is

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Speaker 1: no longer appropriate to to be a beneficiary. So it's very,

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Speaker 1: very important to ensure that the right people in your

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Speaker 1: life are named as beneficiaries for each and every one

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Speaker 1: of your player benefits and your beneficiaries and your address

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Speaker 1: can be updated on NFL Player Benefits dot Com. Lastly,

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Speaker 1: I would also suggest newly minted legends to talk to

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Speaker 1: their regional legend coordinators about getting connected to a NFL

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Speaker 1: Player Benefits specialist who will help you, who will help

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Speaker 1: ensure you have everything taken care of in your life.

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Speaker 1: They'll walk you through your personalized benefits portfolio. They'll talk

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Speaker 1: to you about the benefits you eligible for now or

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Speaker 1: in the future. Tracy mentioned line of Duty that is

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Speaker 1: a disability benefit and it is available to non vested

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Speaker 1: as well as vested legends. Immediately after you are done

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Speaker 1: playing the game of football. So either myself for one

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Speaker 1: of my colleagues can help you through the application process.

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Speaker 1: We can guide you, can provide you with information so

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Speaker 1: you know how to apply for line of duty and

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Speaker 1: ensure you are taking advantage of all the benefits available

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Speaker 1: to you. Is there a benefit some type I don't

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Speaker 1: counselor or someone that a player alleged speak with to

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Speaker 1: help them walk through beneficiaries, walk through some of the

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Speaker 1: challenging decisions that have to be made. Sometimes when you're younger,

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Speaker 1: you afraid or yeah, we absolutely we have there there's

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Speaker 1: a a network of individuals that can help you. Um

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Speaker 1: Within the NFL, there's myself, of course, there are several

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Speaker 1: of my colleagues. We are trained in all of the

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Speaker 1: collectively bargained player benefits, so we know the nuances of

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Speaker 1: your pension as well as your four O n K.

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Speaker 1: We can help provide guidance as to when you may

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Speaker 1: want to pull that pension or when you want to

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Speaker 1: pull that four oh one K at age fifty five

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Speaker 1: or sixty two verse sixty five. We can help talk

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Speaker 1: you through that continuing VET coverage that Bahadi mentioned for

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Speaker 1: the vested legends that are listening, You have five years

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Speaker 1: of the exact same health insurance that you had while

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Speaker 1: as an active player, and then when that five years

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Speaker 1: are up, you're gonna move on to Cobra and then

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Speaker 1: you're gonna have the option to purchase um either the

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Speaker 1: standard cost plan or the lower cost plan through the

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Speaker 1: NFL Player Insurance Plan, and we can help talk you

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Speaker 1: through that. The NFL p A, my colleagues, they also

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Speaker 1: are trained in all the collectively bargained player benefits. They

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Speaker 1: are more than willing to help talk you through the

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Speaker 1: benefits that are available to you as well as the

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Speaker 1: NFL Player Benefits Office. This is a group that works

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Speaker 1: on behalf of the NFL as well as the NFL

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Speaker 1: p A. They are located in Baltimore, Maryland, and they

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Speaker 1: have more than twenty individuals on on staff that serve

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Speaker 1: as benefit coordinators and are there to help the legends

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Speaker 1: navigate this rather complex space and can help you work

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Speaker 1: through the benefit apple cations as well as any other

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Speaker 1: details that you may need to work through. And and yes,

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Speaker 1: I think the other important part here is not only

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Speaker 1: do you have all of those professionals, you have twenty

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Speaker 1: four legends through the Legends community that you can talk

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Speaker 1: to you who can tell you their experience, what they've done,

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Speaker 1: and why, so that you're not just thinking about it

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Speaker 1: in a vacuum. You are talking to somebody who played

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Speaker 1: at the same time you played, who played the same

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Speaker 1: number of years that you've played, who has had an experience.

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Speaker 1: You know. The peer to peer model for us is

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Speaker 1: really about you finding someone that you can connect with

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Speaker 1: that can talk to you about the experience they've had.

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Speaker 1: Because after Jacob takes you through all this, you may

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Speaker 1: not want to make ten decisions while you're on the

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Speaker 1: phone with him. You may want to call Chad Pennington,

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Speaker 1: who's an executive director, and say, Chad, I played with

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Speaker 1: you for ten years. I just need a little guidance

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Speaker 1: on your experience. And Bahadi has the same thing with

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Speaker 1: the captains. We have nine captains former players we work

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Speaker 1: with that serve as our peer to peer group. And

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Speaker 1: then also we have our service team on the trust side,

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Speaker 1: so the program manager and program specialists that actually worked

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Speaker 1: with the players day to day, they're knowledgeable about is

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Speaker 1: Tracy said, we all can talk to you big picture,

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Speaker 1: and then everyone knows how to get you to the

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Speaker 1: appropriate people So here's a question for wives significant others,

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Speaker 1: what rights do they have team cage when a legend

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Speaker 1: is not engaged to find out what's available. We have

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Speaker 1: spouses call us all the time, significant others, wives and

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Speaker 1: significant others. Yeah, how does that work? And we've had

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Speaker 1: We've had Dad's spouses, significant others, family members. You know,

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Speaker 1: we get calls all the time that hey, I heard

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Speaker 1: about this, or I spoke to someone that I know

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Speaker 1: and I wanna, you know, get my husband or my

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Speaker 1: son or whatever. Activated. Um. We also, as Tracy mentioned,

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Speaker 1: whenever we have events, we invite spouses and significant others

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Speaker 1: to attend because we also understand how important it is

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Speaker 1: that not only is the player connected, but the support

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Speaker 1: system is fire braining body and our mouse on wellness.

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Speaker 1: The assessments that we offer, we actually pay for a spouse,

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Speaker 1: So you have to be legally married, but we will

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Speaker 1: pay for your spouse to travel with you to the assessment.

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Speaker 1: Because I always joke and say the assessment goes one way.

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Speaker 1: When the player goes by itself, it's a totally different experience.

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Speaker 1: The truth when, yes, when the spouses is with them.

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Speaker 1: So we encourage the engagement of the spouses and then

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Speaker 1: you know, oftentimes they are the ones that will read

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Speaker 1: the emails, that will look at the information, that will

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Speaker 1: determine what needs to be responded to and what doesn't.

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Speaker 1: So that's a very important UH stakeholder for us when

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Speaker 1: it comes to the spouse and significant of it. Yeah,

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Speaker 1: and at Hall of Fame, you know, we hosted a

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Speaker 1: luncheon with the wives. We didn't actually host. The Hall

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Speaker 1: asked us to come to a luncheon with the wives,

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Speaker 1: and I would say that a lot of the wives

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Speaker 1: in the room, their husbands weren't really engaged. For me,

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Speaker 1: we want everyone to know the information. It's not a

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Speaker 1: secret that we have all of these benefits and resources,

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Speaker 1: and the more people who know, the more who will

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Speaker 1: engage with it. And we talk all the time about

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Speaker 1: we want to make sure everyone is using all of

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Speaker 1: the plans, everyone is using all as we sit here

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Speaker 1: and they're there in the middle of a negotiation. We

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Speaker 1: want to show all of this stuff is being used.

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Speaker 1: The guys care about all this stuff. The resources are

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Speaker 1: worth it, and the players on the portal can actually

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Speaker 1: identify a trusted user and they can put their wife

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Speaker 1: in as a trusted user and let their wives look

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Speaker 1: at all of the information, and we did that on purpose.

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Speaker 1: How have you seen that we have the Legends Lounge

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Speaker 1: and then the Players Association. You guys have Ero Lounge

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Speaker 1: as well. The Trust, the Trust Trust. The reason why

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Speaker 1: I brought that up because at this past draft, my

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Speaker 1: teammate Eric Swan, who I had not seen and forever

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Speaker 1: someone he's living in Cincinnati, a legend invited him just

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Speaker 1: get there and to see his face. How has that been,

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Speaker 1: whether it's the locker room, the Legends Lounge, and I

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Speaker 1: know you guys have at least one good story how

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Speaker 1: a guy got back connected because he got among his peers.

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Speaker 1: I think, just initially, I think the best thing we've done,

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Speaker 1: and Tracy and I have talked about this, is that

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Speaker 1: one does not compete with the other. So I'll use

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Speaker 1: for example, Draft in Hall of Fame, Tracy and I

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Speaker 1: stay in communication. I was at the Legends event at Draft.

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Speaker 1: So there's no need for the Trust to do that.

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Speaker 1: Because we can work together and we can engage with

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Speaker 1: the population Combine. We've talked about doing something together at

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Speaker 1: Combine because we recognize that that's really the only place

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Speaker 1: where you can get all of the former players who

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Speaker 1: are coaches and scouts in one location at one time,

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Speaker 1: so it makes sense for us to work together to

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Speaker 1: do that. At Super Bowl we go over and support

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Speaker 1: their Legends lounge, and then Tracy's Legends and people that

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Speaker 1: were there come over to our locker room at night,

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Speaker 1: and then on Sunday we host a viewing party tracing them.

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Speaker 1: Don't host a pewing party because there's no need. So

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Speaker 1: I know, through throughout this we've been talking about that

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Speaker 1: it's a collaborative effort and said we started off with

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Speaker 1: the small things to establish the relationship, and now we're

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Speaker 1: continuing to build on that. And the byproduct of is

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Speaker 1: that we communicate, We make sure that things don't compete,

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Speaker 1: We find the areas where we can work together, and

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Speaker 1: then at least out of mental of them, we know

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Speaker 1: who's doing what and when. But I would say most importantly,

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Speaker 1: most times we are there together in some capacity, whether

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Speaker 1: it's Tracy and I together, our captains and the Legends

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Speaker 1: coordinators together. But if former players are in the room,

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Speaker 1: there's a great working relationship between us that there's going

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Speaker 1: to be a presence from the Trust and from the

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Speaker 1: Legends community within that space. Tracy I hear. I just

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Speaker 1: see a guy that's that seemed to be blossoming, and

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Speaker 1: I just remember his It's almost like his life was reinvigorated,

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Speaker 1: Ryan Leaf. And it's funny because as soon as you

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Speaker 1: asked the question, it comes Ryan comes to mind because

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Speaker 1: it was in San Francisco. It was Super Bowl fifty

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Speaker 1: and he was downstairs at a Player Care Foundation screening

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Speaker 1: and Chad Pennington saw him and said, hey, come upstairs

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Speaker 1: to the Legends lounge. And he said, I don't belong

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Speaker 1: up there, and Chad was like, man, every he belongs

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Speaker 1: up there. And Chad brought him upstairs and he said,

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Speaker 1: for the first time he felt okay in a room

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Speaker 1: with his peers. And I saw it when I talked

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Speaker 1: with him. I remember seeing his face. Bart He literally

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Speaker 1: he he was there because Chad invited him, but I

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Speaker 1: could tell he still was thinking by the meaning why

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Speaker 1: am I here? And when so many of us engaged

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Speaker 1: him as a brother, just to see him now here,

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Speaker 1: I'm on the radio and just now he's a Legends coordinator.

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Speaker 1: And it's funny because we had him mentor at the

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Speaker 1: combine and he was phenomenal. He said to me, you know,

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Speaker 1: I thought maybe we would work together more in that year,

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Speaker 1: and we didn't have an opening, and as soon as

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Speaker 1: we had an opening, I sent him an email and said, hey,

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Speaker 1: would you consider He called me. He said the old

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Speaker 1: Ryan Leaf would have gotten angry and upset that I

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Speaker 1: did something with you guys, and then nothing happened. And

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Speaker 1: he said, but this was what was supposed to happen.

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Speaker 1: And when I asked him he said, he said, Tracy,

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Speaker 1: I'm like choked up. I don't know what to say.

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Speaker 1: So I told him, and it's funny because I hadn't

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Speaker 1: told anyone else yet, and I hear him on the

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Speaker 1: Dan Patrick Show. I don't know if I'm supposed to

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Speaker 1: say this yet, but I am now a new NFL

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Speaker 1: Legends coordinator and it tweeted everywhere and I called him.

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Speaker 1: He's liked, I'm like, I am so excited for you.

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Speaker 1: I'm so proud of everything that he's done. And he

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Speaker 1: is the example of life after football. Everybody deserves that

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Speaker 1: second chance and the fact that you all care about

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Speaker 1: each other in a way that I don't know that

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Speaker 1: anybody outside the game understands. And Chad also facilitated his

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Speaker 1: activation into the Trust as well, and the reason I

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Speaker 1: brought that up because I know we don't say it,

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Speaker 1: but this saves live. Yes, I mean, I know we

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Speaker 1: don't talk about it, but we talk about it, don't publicly,

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Speaker 1: but I mean to get somebody re engage, you know,

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Speaker 1: not just the physical life in life, but being alive

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Speaker 1: and being alive. If you get one point, what an

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Speaker 1: important website and phone numbers that legends should be writing

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Speaker 1: down as they listen to this well, from the benefits perspective,

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Speaker 1: the hands down single most important website is NFL Player

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Speaker 1: Benefits dot com. This is your one stop shop for

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Speaker 1: everything Player benefits related. You'll be able to log in,

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Speaker 1: view your personal information, update those beneficiaries. You'll be able

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Speaker 1: to see how much is in your four O n K,

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Speaker 1: how much is in your annuity, how much is in

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Speaker 1: your capital accumulation plan, what happens if I want to

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Speaker 1: take my pension at age fifty five or sixty two

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Speaker 1: sixty five. There's also links on the website for you

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Speaker 1: to apply for disability, whether that's line of duty, total

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Speaker 1: and permanent, or neurocognitive. You'll also want to write down

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Speaker 1: the phone number for the NFL Player Benefits Office. This

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Speaker 1: is the group that also has trained benefits specialists available

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Speaker 1: to help you Monday through Friday nine am to five

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Speaker 1: pm Eastern. Their phone number is eight zero zero six

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Speaker 1: three eight three one eight six. I'm also going to

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Speaker 1: give you another phone number. This is to the NFL

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Speaker 1: Player Customer Service Center. This is the group of individuals

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Speaker 1: they're gonna be able to help answer your insurance questions.

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Speaker 1: They're gonna help take you through all of your health

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Speaker 1: and wellness benefits, and they can talk you through your

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Speaker 1: hr A, your health reimbursement account. That phone number is

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Speaker 1: one eight hundred NFL Goal one eight hundred six three

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Speaker 1: eight four six to five. And for those that's not

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Speaker 1: writing it down, are there easier steps that they can take? Well?

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Speaker 1: For the Trust, it's easy for us is three simple things.

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Speaker 1: You can go to the website www dot players trust

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Speaker 1: dot com. You can call us eight six six seven

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Speaker 1: to five zero zero six three, and then you can

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Speaker 1: follow us on all the social media platforms at Players Trust.

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Speaker 1: It's that simple reach out. You can actually email us

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Speaker 1: through the website. If you don't want to call, there's

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Speaker 1: a there's a contact us form you can email us

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Speaker 1: will respond back to you. UH. And then, as Tracy said,

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Speaker 1: All of the information about the Trust is located in

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Speaker 1: the Legends portal as well, and then you can get

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Speaker 1: through us through either that portal or one of the

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Speaker 1: Legends coordinators if you happen to speak to them Players

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Speaker 1: dot NFL dot com. To register for the portal, you

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Speaker 1: can get through to the Benefits portal. Through there, you

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Speaker 1: can get through to the Trust through there. There's also

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Speaker 1: the phone number and email address for all twenty four

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Speaker 1: of the Legends coordinators and directs that you can reach

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Speaker 1: out to. You can also email us at Legends at

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Speaker 1: NFL dot com, and if you email me directly, I

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Speaker 1: answer every single email. So it's Tracy dot Carlman at

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Speaker 1: NFL dot com. I would say, whoever you reach out to,

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Speaker 1: you will get to the right place, even if the

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Speaker 1: first call you make is not to the right person. Well, guys,

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Speaker 1: this has been great. Tracy, Jacob and Bahadi, thank you

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Speaker 1: guys and your team for serving Legends and on behalf

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Speaker 1: of all of our Legends. We really appreciate it and

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Speaker 1: keep up the great work. Thanks for tuning in. The

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Speaker 1: best is yet to come. This has been the NFL

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Speaker 1: Legends podcast. To provide feedback or request a topic for

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Speaker 1: discussion Email us at NFL Legends at nfl dot com,

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Speaker 1: e