Speaker 1: Welcome to the NFL Legends Podcast, an NFL podcast for
Speaker 1: the players, by the players. Here is your host, four
Speaker 1: team year NFL veteran and Hall of Famer Anius Williams. Legends.
Speaker 1: This has been so exciting. We're doing a part two
Speaker 1: because we want to make sure we cover some additional
Speaker 1: information and we're first starting out with pensions. The Linda
Speaker 1: talked to us about pensions. Thank you and yes, happy
Speaker 1: to and maybe we just sort of saved the best
Speaker 1: for last year. This is one of the highlights of
Speaker 1: the Collective Bargaining Agreement and it's really an expression of
Speaker 1: the NFL's thank you to the past legends who have
Speaker 1: built this game. Under the eleven the previous collective Bargaining Agreement,
Speaker 1: players received different amounts as a pension credit based on
Speaker 1: the year that they played, and as you may recall,
Speaker 1: the Legacy Fund was introduced to the players to enhance
Speaker 1: their pension. Now in twenty we have pension parody for
Speaker 1: players who have credited seasons prior to twenty twelve who
Speaker 1: wards it eligible. Well, we've expanded the pool of eligible players.
Speaker 1: So the pool of players eligible from this passion has
Speaker 1: been expanded to include three credited season players who played
Speaker 1: at a time when four credited seasons was needed to vest.
Speaker 1: So those are pre players and they will be receiving
Speaker 1: a pension for the rest of their life their first time,
Speaker 1: and that's about seven hundred players who are going to
Speaker 1: be receiving that all pension eligible players with seasons prior
Speaker 1: to the twelve season. As I said, we'll receive a
Speaker 1: total of five hundred and fifty dollars per credited seasons.
Speaker 1: That is inclusive of their pension credits, their special credits,
Speaker 1: and legacy credits, so it's additive, so their whole credit
Speaker 1: is five hundred and fifty dollars. Now, pension calculations can
Speaker 1: be complicated and they've taken many factors, but as a
Speaker 1: general matter, the way it would work is that if
Speaker 1: you had ten credited seasons prior to and you took
Speaker 1: your pension at fifty five, electing a lifetime annuity, you'd
Speaker 1: receive fifty five a month or about sixty six thousand
Speaker 1: dollars a year for the rest of your life. In addition,
Speaker 1: they will be further increases to six hundred dollars if
Speaker 1: revenue increases uh at at four percent or more or
Speaker 1: it could revenue is it's not increased to that level
Speaker 1: but less than four percent. There will still be an
Speaker 1: increase in pension, only will be five seventy five rather
Speaker 1: than the six hundred dollars. And then for all post
Speaker 1: twelve credit seasons, the pension is going to be increased
Speaker 1: by ten percent. So all of these added in is
Speaker 1: about a two billion dollar commitment by the NFL, additive
Speaker 1: to what they were paying before in pension. It affects
Speaker 1: approximately eleven thousand, five hundred players and many receiving over
Speaker 1: a fifty percent increase in what their pensions were. It
Speaker 1: may take several months, and that's why I want to
Speaker 1: caution everybody to actually see these increases because processing eleven
Speaker 1: thousand and five hundred increases can be time consuming. But
Speaker 1: they will nonetheless be effective as of April. So players
Speaker 1: who are currently in a pay status and receiving their
Speaker 1: pensions will see their increases somewhere after. We're assuming July
Speaker 1: at the earliest, maybe a month or two later, but
Speaker 1: they will be made whole by receiving a retroactive check
Speaker 1: on a lump sum amount that would bring them whole
Speaker 1: as of April. For the widows, we also wanted to
Speaker 1: take and take note of their needs as well, and
Speaker 1: so if widows of legends whose husbands had already elected
Speaker 1: to receive their pension and indicated that their spouse should
Speaker 1: receive it after they die, much in the way that
Speaker 1: Jacob was talking about beneficiaries, they will also see an
Speaker 1: increase based on what they're their their their legend husband
Speaker 1: would have would have received, and another significant increases in
Speaker 1: the surviving widows and children benefit. This benefit is for
Speaker 1: legends who die prior to electing a pension, so if
Speaker 1: they die before they start taking their pension um, they
Speaker 1: will also receive this benefit. And in twenty eleven, widows
Speaker 1: and children received either six thousand or nine thousand dollars
Speaker 1: for a forty eight month period of time. If the
Speaker 1: player had had passed away before two, it would have
Speaker 1: been six thousand. Um, I'm sorry, I had kind of seasons.
Speaker 1: Before nineteen eighty two would have been six thousand, or
Speaker 1: and after be nine thousand. And after the forty eight
Speaker 1: months laps, the widow would receive forty dred dollars a
Speaker 1: month for life or until she remarried, or a child
Speaker 1: or children would receive a total of forty four d
Speaker 1: allars a month until they aged out. Now under the CBA,
Speaker 1: that forty eight month period has been extended to sixty months.
Speaker 1: So now when from four years to five years, the
Speaker 1: amount now increases to thirteen thousand dollars a month for
Speaker 1: that sixty month period of time, and the amount after
Speaker 1: the sixty months laps increases to six thousand dollars. And
Speaker 1: if a legend has no spouse or children at death,
Speaker 1: we've extended the beneficiary as much to the way that
Speaker 1: Jacob previously described. So now out it's not just the
Speaker 1: widow and children, but it can include adult children, parents
Speaker 1: as well as siblings and they would receive that benefit
Speaker 1: for sixty months at the higher level. So those are
Speaker 1: all the good news high points of what's happening in
Speaker 1: the world of pension for under b A. That's my clap.
Speaker 1: And if you hear a Belinda, great job, We're we're
Speaker 1: applauding with you. We're very excited. And Jacob, what don't
Speaker 1: you tell us about the full one key? Yeah, So
Speaker 1: we also have some enhancements to to our other retirement benefits.
Speaker 1: Um we'll start with the four oh one K and
Speaker 1: the annuity. While these contributions were made to your accounts
Speaker 1: by your clubs when you were an active player. It's
Speaker 1: very important to check your profile and NFL Player Benefits
Speaker 1: dot Com so you can see what your most recent
Speaker 1: account balances are in the four oh one K in
Speaker 1: the annuity program, the Player Benefits dot Com will also
Speaker 1: show you a unique tool where you could see, well,
Speaker 1: what happens if I pull my or oh one K
Speaker 1: at age forty five versus fifty fifty five versus sixty five.
Speaker 1: Same for the annuity program. You can see how much
Speaker 1: you have in your accounts. You can make sure you
Speaker 1: have your beneficiaries designated, and you could see what happens
Speaker 1: when I pull my annuity at age forty five, fifty
Speaker 1: fifty five, sixty. I get a lot of guys that
Speaker 1: asked me the question, well when can I actually pull
Speaker 1: my four oh one K, And the answer is, you
Speaker 1: can pull your four oh one K before the age
Speaker 1: of fifty nine and a half. However, if you do so,
Speaker 1: the I R S is going to take a ten
Speaker 1: percent cut of your four oh one K right off
Speaker 1: the top. So I highly encourage guys if you can
Speaker 1: wait until you reach the age of fifty nine and
Speaker 1: a half or later to pull that four oh one K,
Speaker 1: so the I R S doesn't take the ten percent
Speaker 1: right off the top. We also get the question is
Speaker 1: when can I pull my annuity money? Is that the
Speaker 1: same as the four oh one K and the answer
Speaker 1: to that is no. The annuity program has different rules.
Speaker 1: If you have been out of the game, meaning you
Speaker 1: have not been under contract for at least five years
Speaker 1: and you are at least the age of thirty five,
Speaker 1: you can withdraw your entire annuity some with no penalty
Speaker 1: applicable to you. Another retirement benefit that guys oftentimes ask
Speaker 1: is when will I receive my severance pay? The severance
Speaker 1: pay is the money that you will receive one year
Speaker 1: after your last date under contract. While the four one
Speaker 1: K and annuity you actually have to log into Player
Speaker 1: Benefits dot Com to request a withdrawal, the severance pay
Speaker 1: is an automatic payout, So one year after your last
Speaker 1: date under contract, you're going to receive a lump sum
Speaker 1: check in the mail and it will be sent to
Speaker 1: the address that you have on file with the NFL
Speaker 1: Player Benefits office. This is the address that you have
Speaker 1: on NFL Player Benefits dot Com with your lump sum payment.
Speaker 1: Thank you, Jacob be Linda, could you tell us a
Speaker 1: little more about some other disability benefits. Sure, and he
Speaker 1: is happy too. So just by way of background, there
Speaker 1: are currently three different disability benefits available to legends and
Speaker 1: these are very general descriptions. But line of duty, which
Speaker 1: is for legends who have partial disabilities that are permanent
Speaker 1: and as a direct result of NFL activity. Then there's
Speaker 1: also the neurocognitive Disability benefit, and that's for legends who
Speaker 1: have mild or moderate neurocognitive impairments either one or more
Speaker 1: areas of the functioning the brain. So if your memories impacted,
Speaker 1: your speed processing is impacted, those are the type of
Speaker 1: things they look to test to see how with the
Speaker 1: capacity and then the health of the brain is and
Speaker 1: that would fall under the neurocognitive disability benefit. You do
Speaker 1: not need NFL causation in order to be eligible for
Speaker 1: the neurocognitive disability And then finally there's total impermanent disability
Speaker 1: and generally it is an income replacement for legends who
Speaker 1: are unable to be employed in any capacity, regardless if
Speaker 1: it was caused by the NFL activity or not. So
Speaker 1: let's start with the line of duty or l o D.
Speaker 1: Under c b A, players didn't need to be vested,
Speaker 1: and that hasn't changed. But there was a point system
Speaker 1: that provides very specific points for very specific impairments. Under
Speaker 1: the twenty eleven agreement, players needed ten points in order
Speaker 1: to qualify. Under the c b A, we have reduced
Speaker 1: the number of points required to qualify from ten to nine,
Speaker 1: so more players will be eligible based on the reduction
Speaker 1: of that one point. In addition, under the agreement, under
Speaker 1: line of duty, players could apply with non orthopedic the
Speaker 1: brain related impairments headaches or psychiatric disorders that had to
Speaker 1: show NFL causation. But we have eliminated that and we're
Speaker 1: just really limiting it to mostly orthopedic injuries under line
Speaker 1: of duty because we're going to then pick up um
Speaker 1: pick that that that grew up in the neurocognitive disability benefit,
Speaker 1: which I will discuss um right now. So the neurocognitive
Speaker 1: plity benefit, as I briefly described, started in Agreement UM
Speaker 1: and in order to qualify at that time. Under the agreement,
Speaker 1: you had to be under the age of fifty five,
Speaker 1: have a season in or later, and you had to
Speaker 1: be vested. So let's fast forward to under the b
Speaker 1: a we have removed all those limitations so that players
Speaker 1: no longer have to be under fifty five, have a
Speaker 1: season in later, or be vested to apply. It has
Speaker 1: opened up the eligibility for neurocognitive parents too, many more players,
Speaker 1: and unlike as I said before with line of duty,
Speaker 1: you do not need to show a NFL activity caused
Speaker 1: your impairment. In addition, it has also increased the disability
Speaker 1: amounts under both the mild and moderate classifications for NEUROCOG disability.
Speaker 1: So beginning with a five increase in two thousand twenty two,
Speaker 1: and you'll see increases of five dollars every two years.
Speaker 1: The final UH disability benefit I'll discuss is total and
Speaker 1: permanent disabilities, and this benefit is for the LEGIOND who's
Speaker 1: unemployable in any capacity. As I have mentioned earlier, there
Speaker 1: are several noteworthy changes under c b a UM and
Speaker 1: its background. Just so, there are four categories or classifications
Speaker 1: within TMP that a player can qualify. So one is
Speaker 1: active football and that's for players who become TMP as
Speaker 1: a result of NFL activity while they were an active player,
Speaker 1: And that's the most generous benefit UH. There's active non
Speaker 1: football for players who become totally im permanently disabled as
Speaker 1: a result of non football activity while they are active players.
Speaker 1: Um enacted A is for players who are determined to
Speaker 1: be totally impermanently disabled within fifteen years of living game,
Speaker 1: and then t mp UH and then inactive B for
Speaker 1: players who are determined to be TMP after fifteen years
Speaker 1: of leaving the game. So the first the first change
Speaker 1: which I will talk about is the evaluation process under
Speaker 1: the eleven agreement based on the impairments of legend listed.
Speaker 1: He would be seen by a variety of specialists. So
Speaker 1: if he complained about back pain or or lack of
Speaker 1: range of motion, an orthopedist would see him. If he
Speaker 1: complained about headaches, a neurologist would see him. If he
Speaker 1: complained about memory issues or any other cognitive issues, he'd
Speaker 1: be seen by a neuropsychology psychiatrist, and then if he
Speaker 1: complained about mental health issues, he'd be seen by a psychiatrist.
Speaker 1: So under the old system, each physician would make a
Speaker 1: determination of whether their specialty, and only within their specialty
Speaker 1: was the player unable to work. So an orthopedic could
Speaker 1: only look at the physical orthopedic pieces the neurologists only
Speaker 1: for those areas, psychiatrists only mental health, and based on
Speaker 1: their limited area, they would make a determination within that
Speaker 1: area of whether or not a player was totally im
Speaker 1: permanently disabled. Under the new cb A, we're trying to
Speaker 1: implement a new evaluation process and we're calling it the
Speaker 1: whole person evaluation process. It's no longer will end vidual
Speaker 1: specialists make a determination in their area, but we will
Speaker 1: be taking into account the aggregate of the whole person's functioning.
Speaker 1: How will this system be implemented well. The new system
Speaker 1: is going to be designed over the course of the
Speaker 1: next couple of years and implemented for testing purposes only
Speaker 1: by April one, twenty three. Starting April three and through
Speaker 1: April one, four, legends will be evaluated both under the
Speaker 1: old system and the whole person system to test if
Speaker 1: the new system is accurately identifying the players who should
Speaker 1: be eligible, and then on April the whole person system
Speaker 1: will replace the old system and will be the zole
Speaker 1: basis for determining total and permanent eligibility. Also, beginning on
Speaker 1: April four, will be the elimination of Social Security disability
Speaker 1: as an automatic basis for eligibility in the past under
Speaker 1: the agreements and prior um A player who received a
Speaker 1: Social Security disability award which the admit that and on
Speaker 1: that basis they can be eligible for Total Impermanent Disability UM.
Speaker 1: That is going to be eliminated as of April one,
Speaker 1: four and with the whole New Person system being implemented UH,
Speaker 1: the hope is that the NFL neutrals will be making
Speaker 1: determinations sort of on a similar basis. Another change under
Speaker 1: c b A is the Social Security offset. So beginning
Speaker 1: January one, players who are receiving the inactive A. By
Speaker 1: giving you the four classifications, this would only impact those
Speaker 1: who are receiving inactive A, who are inactivate and who
Speaker 1: also are receiving Social Security disability, They'll have the amount
Speaker 1: of their Social Security check offset from their monthly total
Speaker 1: impermanent payment. This would be exclusive of amount of money
Speaker 1: they pay forth for their government issued insurance Medicare. Typically
Speaker 1: there's an amount of a couple of hundred dollars that
Speaker 1: will come out of a Social Security check that will
Speaker 1: be paying for the premiums for for Medicare that will
Speaker 1: not be offset UM. This offset is going to apply
Speaker 1: though whether they become eligible for total impermanent Social Security,
Speaker 1: or obtain Social Security after they became totally im permanently eligible,
Speaker 1: and that pretty much covers the changes that are going
Speaker 1: to take place in the world of disability. UM. We
Speaker 1: also have, although not considered a disability plan, you do know,
Speaker 1: there's something called the A D eight plan, and the
Speaker 1: NFL's A D eight plan is a health reimbursement plan
Speaker 1: for legends that have dementia, Parkinson's or a LS. Legends
Speaker 1: are reimbursed for their qualifying medical expenses that are related
Speaker 1: to that impairment, and they can range from at home
Speaker 1: nursing care provided by a nonrelative medical equipment, and can
Speaker 1: pay as well for institutional care if they're in an
Speaker 1: assisted living facility. Under the b A there have been
Speaker 1: significant increases in the annual maximums. So in twenty eleven,
Speaker 1: the annual maximum reimbursement for in home care was a
Speaker 1: hundred and eighteen thousand dollars. An institutional care under the
Speaker 1: old agreement was a hundred and thirty thousand dollars. Effective April,
Speaker 1: the annual maxims will increase and so in home care
Speaker 1: will now be a hundred and forty thousan dollars annually,
Speaker 1: and the institutional care has increased from that one thirty
Speaker 1: under agreement to one six under c b A. There
Speaker 1: will also be increases on April, where in home care
Speaker 1: will be increased again two hundred sixty five thousand and
Speaker 1: institutional care will be a hundred thousand. So we really
Speaker 1: try to address again helping those players who may be
Speaker 1: suffering from dementia, a l S or Parkinson's and providing
Speaker 1: them with some safety nets so they can get their
Speaker 1: expenses reimbursed. Blended us outstanding. Thank you and Trace. I
Speaker 1: want to go back to you. Would you share a
Speaker 1: little more about the beneficiaries. Well, I actually would like
Speaker 1: to throw this to Jacob. So, Jacob, you said something
Speaker 1: while you were talking before about beneficiaries, and what I've
Speaker 1: experienced a is that legends don't actually go in and
Speaker 1: change their beneficiaries um when things change. So I would
Speaker 1: love it if you can explain why they need to
Speaker 1: do that and what could potentially happen, because we've actually
Speaker 1: seen some of this happen practically, and we want to
Speaker 1: make sure that the legend is covered and also that
Speaker 1: he's taking care of his family the way that he
Speaker 1: wants to in the future. Yeah. Absolutely, It's an incredibly
Speaker 1: important point um and one that's every legend should should
Speaker 1: make sure they take care of. I'll start first with
Speaker 1: explaining what a beneficiary is, because oftentimes a lot of
Speaker 1: guys here the word, but they don't really know what
Speaker 1: a beneficiary is or the function that it serves. A
Speaker 1: beneficiary is a person or persons or your a state
Speaker 1: or trust that will collect the money in your benefit
Speaker 1: accounts in the event that you pass away. So if
Speaker 1: you pass away, you'll want to make sure that you
Speaker 1: have somebody listed that is going to collect that money.
Speaker 1: So it's imperative that you take the time to think
Speaker 1: about who that person or persons will be. You can
Speaker 1: update your beneficiaries on NFL player benefits dot com. It's
Speaker 1: a very simple process in which you log into your
Speaker 1: personal profile, you click on the respective benefit plan. So
Speaker 1: let's say it's four oh one K. You'll click on
Speaker 1: the four oh one K tab and then you'll click
Speaker 1: on the next sub tab that says beneficiaries. From there,
Speaker 1: you can add a beneficiary online. You'll just need their name,
Speaker 1: their date of birth, as well as contact information. However,
Speaker 1: if you do not list a beneficiary, which is Tracy mentioned.
Speaker 1: We oftentimes see you will be subject to the default rule.
Speaker 1: And the default rule means your beneficiary will be your spouse.
Speaker 1: If you do not have a spouse, it will be
Speaker 1: your children. If you don't have any children, will be
Speaker 1: your parents. If you don't have any parents, it will
Speaker 1: be your siblings. So again, if you do not list
Speaker 1: a beneficiary, you're going to be subject to the default rule,
Speaker 1: and some of that money may go to an individual
Speaker 1: that you may not necessarily want to see that money.
Speaker 1: So it's imperative that you do list the beneficiary or
Speaker 1: beneficiaries to be the person that you would like to
Speaker 1: see receive that money in the event that you do
Speaker 1: pass away. Thank you, Jacob, and again frequently ask questions.
Speaker 1: The players, the legends can go to our NFL Players
Speaker 1: Benefits site. Is that correct? Yeah? NFL Player Benefits dot
Speaker 1: Com is your one stop shop for everything player benefits.
Speaker 1: I know there are some guys listening that may not
Speaker 1: necessarily want to visit the website online, so we also
Speaker 1: have a phone number that i'd encourage you to call.
Speaker 1: The phone number to the NFL Player Benefits office that
Speaker 1: administers the website is eight zero zero six. Three eight
Speaker 1: three one eight six. So again, if you don't necessarily
Speaker 1: use a computer and you rather talk to a person
Speaker 1: over the phone, you can call eight zero zero six
Speaker 1: three eight three one eight six. We also, as a
Speaker 1: needs mentioned have to frequently asked questions. That is listed
Speaker 1: on NFL player benefits dot com and is listed on
Speaker 1: the NFL player Portal. The NFL Player Portal has a
Speaker 1: has a link that will send you directly to NFL
Speaker 1: player Benefits dot com. So regardless of which website you
Speaker 1: go to, you will definitely receive your collectively bargained player
Speaker 1: benefits information. You guys, this has been fantastic. If I
Speaker 1: can graciously speak on behalf of every legend. First of all, Tracy, Jacob, Belinda,
Speaker 1: thank you for the work that you guys do and
Speaker 1: serve in the legends and even the current players as well.
Speaker 1: Shout out to the owners, the league office, the players
Speaker 1: Association and the players to get this deal done to
Speaker 1: benefit particularly our pre ninety three guys. This has been
Speaker 1: out standing. This information is life changing. It brings a
Speaker 1: comfort level to know um the guys are being thought
Speaker 1: about in their needs and their desires. Maybe this is
Speaker 1: not the perfect solution, but certainly has increased in a
Speaker 1: number of guys that I've spoken with a thoroughly a
Speaker 1: number of Legends that I've spoken with a thoroughly. World. Please,
Speaker 1: here's the final question I'll ask each of you, guys,
Speaker 1: and you can say that's as simply as you as
Speaker 1: it comes to you. My dad makes a statement, he says,
Speaker 1: son is not what people don't know that hurt them,
Speaker 1: is what they do know that's not true. Is there
Speaker 1: any statement, Belinda, Jacob or Tracy that maybe Legends no,
Speaker 1: but may not be true that comes to mind right now?
Speaker 1: I would say, just when we started the Legends community
Speaker 1: and in the ass you know this, I got a
Speaker 1: lot of nobody cares about the Legends, you know, the
Speaker 1: guy who played the game before or an afterthought. And
Speaker 1: I think anybody who has worked with us, including you
Speaker 1: and thes knows that the Legends community and everyone working
Speaker 1: in um my department, working for the Legends Community, working
Speaker 1: with the Player Care Foundation, working in Management Council, we
Speaker 1: are here to serve the player. Our role is to
Speaker 1: build a community of care around the player and to
Speaker 1: make sure that they have a voice and that there's
Speaker 1: somebody listening. On the other ends. Of the phone. So
Speaker 1: I would say to me, that is something that that
Speaker 1: guys think they know, but what's really true is we
Speaker 1: are built to be here specifically for players. Thank you, Tracy.
Speaker 1: Any commons BLND Jacob No, I think I I echo
Speaker 1: everything that Tracy has said. UM. I think that there
Speaker 1: was a lot of misinformation or confusion UM that started
Speaker 1: and because of that, we saw that need and and
Speaker 1: platforms like Traces, Legends and her communication efforts have been
Speaker 1: outstanding in in educating everybody as to what's available and
Speaker 1: pointing them in the right direction. You know. Simultaneously or
Speaker 1: concurrently with that, the NFL Benefits department, and that would
Speaker 1: be Jacob and I and our colleague Glissa Greco Um
Speaker 1: are working very hard to be transparent and communicate in
Speaker 1: a way that probably wasn't done as well before. Our
Speaker 1: goal is to make sure that players understand all of
Speaker 1: it's available to them, that they are able to access
Speaker 1: it as easily as possible. UM, and we have an ongoing,
Speaker 1: I think, very respectful relationship with the p A that
Speaker 1: allows us to be able to work together collaboratively to
Speaker 1: make sure we get this done. Yeah. Absolutely. The only
Speaker 1: other thing I would add is that we hear from
Speaker 1: guys that the language is often you know, written by lawyers.
Speaker 1: It's difficult to understand. And we have really really done
Speaker 1: our best in conjunction with the NFL Players Association, with
Speaker 1: the Player Benefits Office, with the Ledge this community to
Speaker 1: simplify the player benefits plans and make them easy for
Speaker 1: you the legend to understand, for you to figure out
Speaker 1: what your options are for withdrawals or for applications. And
Speaker 1: we're going to continue and getting better at doing this,
Speaker 1: and it's something that it's very important to the NFL
Speaker 1: as well as the NFL p A. Thank you, Tracy,
Speaker 1: thank you, Blenda, thank you Jacob. The one thing I
Speaker 1: can say to any Legends as listening, being initially invited
Speaker 1: in to the Legends community by Troy Vincent and then
Speaker 1: working alongside with Tracy, there's one word I would want
Speaker 1: to bring in all of the ears that are listening
Speaker 1: that are Legends from my perspective and being involved even
Speaker 1: today in the Legends community, and that is the word sincerity.
Speaker 1: I'll say it again, sincerity. All the benefits of fantastic,
Speaker 1: but I can attest to your team of people, Tracy,
Speaker 1: to what you do. Belenda what you do, Jacob. It
Speaker 1: is the sincerity to serve the players. That why significant others, children, grandchildren,
Speaker 1: all the beneficiaries because of the work that you guys do.
Speaker 1: Thank you so much. This has been outstanding. Thanks for
Speaker 1: joining us and thanks for listening in. The best is
Speaker 1: yet to come. This has been the NFL Legends podcast.
Speaker 1: To provide feedback or request a topic for discussion, email
Speaker 1: us at NFL Legends at NFL dot com.