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National Hockey League Collective Bargaining Agreement -1993-2004
Article 23
Insurance Coverages


23.1.    (a) The Clubs shall maintain in effect a group life
insurance policy providing a face policy amount of $200,000 US
per player, for all players who play in at least one NHL game
during the year.  An Accidental Death and Dismemberment policy
shall also be maintained by the Clubs in a face amount of
$200,000 US per player.  Coverage shall continue until October
1st the following season.  Claims are to be paid in U.S.
Currency.
      (b) The Clubs shall also maintain in effect a group life
insurance policy providing for a death benefit in a face policy
amount of $100,000 US per spouse, for the spouse of each player
who plays in at least one NHL game during the year.  Coverage
shall continue until October 1st the following season.  Claims
are to be paid in U.S. Currency.

23.2.    (a) The NHLPA shall maintain in effect a group life
insurance policy providing a face policy of $100,000 US per
player.  An Accidental Death and Dismemberment policy shall also
be maintained by the NHLPA in a face amount of $100,000 US per
player.  Claims are to be paid in U.S. Currency.

     (b) The details of the coverage provisions and exclusions
which have been agreed upon in Section 23.1 and 23.2 are set
forth in policies currently in effect and on record with the NHL
and NHLPA, respectively.  23.3.    (a) The Clubs and the NHLPA
shall also maintain in effect a career ending disability policy
providing for a one-time benefit, subject to the release
requirements set forth in Section 23.4 hereof, in the event a
player who is on a Club Playing Roster suffers a career ending
disability.  Disability must be due to an injury or illness which
results solely and independently of any other cause.  Disability
shall be considered career-ending if the player is continuously
disabled for a period of 12 months and permanently prevented from
playing professional hockey. 
     Benefit coverage is dependent upon age at date of
disability, as outlined below:








Players Age         NHL Sponsored       NHLPA Sponsored
         Disability Benefit (U.S. $)  Disability Benefit (U.S. $)

Under 21             $100,000           $ 50,000
21 to 26             $200,000           $100,000
27                   $160,000           $ 80,000
28                   $120,000           $ 60,000
29                   $ 80,000           $ 40,000
30 and over          $ 40,000           $ 20,000

          Any player who has not completed at least 70 NHL
regular season and/or post-season games shall receive the same
benefit as those under age 21, regardless of the player's actual
age.  Any player on a Player's Contract that is deemed to be a
"Termination Contract" in accordance with Transition Rule 4B
shall be excluded from this coverage.

     (b) The Clubs and the NHLPA shall also maintain in effect a
serious disability policy providing for a one-time benefit of
$600,000 US ($400,000 US NHL policy, $200,000 US NHLPA policy),
subject to the release requirements (set forth in Section 23.4
hereof), in the event a player who is on a NHL Club's Playing
Roster suffers a disability resulting from blindness,
dismemberment, paralysis, or brain damage.

         The benefit shall be payable after 12 months of
disability in place of the age related disability benefit set
forth in Section 23.3(a) hereof.  Any Player on a Player's
Contract that is deemed to be a "Termination Contract" in
accordance with Transition Rule 4B shall be eligible for this
coverage.

     (c) The NHLPA shall also maintain in effect a career-ending
disability policy providing for a one-time benefit for any player
on a Player's Contract that is deemed to be a "Termination
Contract" in accordance with Transition Rule 4B, subject to the
release requirements (set forth in Section 23.4 hereof), in the
event a player suffers a career-ending disability.  Disability
must be due to an illness or accident, unrelated to players'
duties with the Clubs, and shall be considered career-ending if
the player is continuously disabled for a period of 12 months and
permanently prevented from playing professional hockey.

         Players on a Player Contract that is deemed to be a
"Termination Contract" in accordance with Transition Rule 4B
shall be covered for a benefit equal to the unearned balance
of their playing contract to a maximum of $200,000 US.

     (d) The details of coverage provisions and exclusions which
have been agreed upon in Section 23.3(a), (b) and (c) are set
forth in policies currently in effect, and on record with the NHL
and NHLPA, as the case may be.

23.4.    A player under contract who is disabled and unable to
perform his duties as a hockey player by reason of an injury
sustained during the course of his employment as a hockey player,
including travel with his team or on business requested by his
Club, shall be entitled to receive his remaining salary due in
accordance with the terms of his contract for the remaining
stated term of his contract as long as the said disability and
inability to perform continue but in no event beyond the
expiration date of the fixed term of his contract, which fixed
term shall in no event be deemed to include any option period
related to a playing season after the League Year in which the
injury occurred.  In consideration of payment of such salary, as
well as payments made by the Club to fund the Hospital, Major
Medical and Dental Plan, payments made by the Club to provide
Career Ending Disability Insurance and other consideration, the
player does hereby covenant that in the event he files a claim
under such Career Ending Disability Insurance (unless such claim
is not paid), he personally releases and will release, and will
cause his corporation if a corporate contract is involved, to
release the Club, the League, the NHLPA, all other Clubs, the
Underwriters, and the servants, employees, officers and agents of
each of the above from any and every additional obligation,
liability, claim or demand whatsoever for such salary or arising
out of such injury or the treatment thereof, including without
limitation liability in tort, and extending to all damages,
whenever arising.  The Releases which a player shall sign in
order to receive benefits under the Career Ending Disability
Insurance are attached hereto as Exhibits 11 and 12.  The
Releases which the NHL and the NHLPA shall sign in order for a
player to receive benefits under the Career Ending Disability
Insurance are attached as Exhibits 9 and 10.  The player shall
also be required to sign an Undertaking form, a copy of which is
attached hereto as Exhibit 13.  Such a player who is thus
permanently disabled from performing as a hockey player and as a
result is compelled to retire prematurely from the League and who
is entitled to benefits that had vested under the pension plan or
plans described in Article 21 hereof shall be entitled to have
additional contributions made on his behalf in accordance with
the requirements of such pension plan and Article 21 until such
contributions, together with contributions previously made on his
behalf, would represent contributions for 5 playing seasons in
the aggregate.  The funds to provide such additional
contributions shall be paid from the National Hockey League
Players Emergency Fund.  Any disagreement as to disability or
inability to perform shall be determined conclusively by doctors
of the Club and of the player, and, in the event said doctors are
unable to agree, by an independent doctor selected by said
doctors.

23.5.    The Clubs shall pay the cost of a hospital, major
medical and dental plan for the players that provides benefits
agreed upon through collective bargaining between the NHLPA and
the Clubs.  The nature and extent of the benefits currently
provided are set forth in writing in the plan description
distributed to each player and shall be deemed to be incorporated
into and be a part of this Agreement.  The NHL shall enter into
an agreement with an insurance company providing for such
benefits, and the payment of premiums by the Clubs shall be made
directly to the insurance carrier through the League.  The
administration of the Hospital, Major Medical and Dental Plan
shall be the responsibility of the NHLPA and the insurance
carrier; provided that no change shall be made in the Plan and
provided further that the Clubs and the NHLPA shall be entitled
to have competitive bids submitted by other carriers and award
made to the low bidder for any year or years during the term of
this Agreement, subject to the consent of both the Clubs and the
NHLPA, such consent not to be unreasonably withheld.  Nothing in
this Section is intended to prevent participation in the Plan by
persons not covered by this Agreement at their expense or the
purchase of additional benefits at the expense of the NHLPA or
the participants in the Plan.

23.6.    A retired player who has played in 160 or more NHL games
shall have the right to continue in the Hospitalization and
Medical Plan for life following his retirement without medical
evidence of insurability upon his payment of the group premium
rate, provided the player applies for coverage within 31 days of
the date the player's coverage would have otherwise terminated. 
Coverage applied for later than 31 days after the player's
coverage would otherwise have terminated will only be approved
upon medical evidence of insurability and if applied for within
the first 12 months of eligibility.

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