NFL Collective Bargaining Agreement

Article 62
Gene Upshaw NFL Player Health Reimbursement Account

Section 3
Health Reimbursement Accounts


The parties shall amend Section 3.2 of the HRA Plan, effective April 1, 2020, to provide that the nominal account of an eligible player who earns a Credited Season in a Plan Year will be credited as follows:

Plan Year(s)Credit to Nominal Account


The determination by the Retirement Board of the Bert Bell/Pete Rozelle NFL Player Retirement Plan of a player’s Credited Seasons will still be binding on the Plan. A player who is awarded Credited Seasons by the Retirement Board (other than a Credited Season for the 2010 Plan Year) and who thereby (1) becomes eligible to participate in the Plan or (2) becomes eligible for additional credits, will receive retroactive credits to his nominal account as of the end of the Plan Year in which the Retirement Board's Credited Season determination is made. The amount of the retroactive allocation will be determined based on the nominal credit amount in effect for such Credited Season under this Agreement, or the preceding Agreement(s).


Beginning with the 2020 Plan Year, total credits to an eligible player’s nominal account shall not exceed $450,000. For players whose nominal account reached the maximum nominal account balance determined under the prior Agreement, no additional credits shall be provided for Plan Years before the 2020 Plan Year. However, additional credits to previously capped players shall be provided for Plan Years beginning with the 2020 Plan Year, up to this $450,000 maximum.