“They Basically Reset My Brain”
theplayerstribune.com
theplayerstribune.com
I didn't want to play at first, and was forced in 9th grade (2nd year). Apparently my grades were better when I was busy after school. I got to like it after I improved.
I'm also a geek; have been since 3rd grade. I'm glad I did it though, it gave me much confidence and it's good to work and excel at completely different disciplines. It also showed me what hard work really feels like. As one coach said, if you can make it through practices, you can make it through anything. That's stayed with me and helped me get through a lot.
Go check out the clinic. At least get an evaluation. I wasn't aware these sort of things were treatable. After reading of all the problems with concussions that can affect any level of player, it would be silly not to, especially if you are experiencing symptoms. Your weight loss is startling. Good luck.
It seems that your mind is a bit stuck though. Having to exercise to be able to be "happy" in a way.
I myself do not have a strong opinion on the matter of the ethics of creating a billionaire business around a game that is so dangerous to everyone that plays it seriously, from high school to pros. I am instinctively against, but as long as the issues are clear, transparent and everyone involved have all access to information needed to do their own informed choices, it seems correct.
That said, a very brave and insightful tale on how these personal struggles are. Very well written too. And glad to know that there are effective treatments out there that can help this kind of health problems.
That is actually really sad.
Motor sport used to be very deadly half a century ago, and it took hard work from drivers to change that. Drivers that were often ridiculed for talking about the need for safety. Now professional motor sport is surprisingly safe, just take Scott Dixons crash at Indy 500 yesterday from which he escaped unscathed.
Football players have to demand their safety is taken seriously before any positive change is going to happen to the sport.
Why not align the incentives? Fans of the game should be putting pressure on the coaches about ensuring that their favorite players aren't injured, coaches should be pressuring the association to force better safety systems so their players don't get removed from the game, the contracts with players should value their long-term abilities more than their short-term wins, the association can start including more and more safety requirements and rules to make sure that the fans keep watching for their favorite stars.
This kind of thing needs to be attacked at all angles, make everyone involved WANT better safety by making it make beneficial to everyone involved.
In the documentary The Killer Years about the safety of old grand prix racing there is a clip with a fan. She is asked who her favourite driver is, and her answer is that he is dead. But she was still at a race supporting the sport as it was.
Fans might dislike loosing their favourite players. But for fans it is ultimately entertainment. So if your favourite player is injured/dies you feel sad, pick a new favourite and move on. You don't start investing your life in sport politics. It is compounded by safety measures often, at the face of it, makes things less extreme in a sport. And fans love the extreme and extraordinary.
For coaches and contracts, profit motives works against any bettering from their side. Why use money on safety, when you have a long line of young players ready to step up and carry on.
Racing did it, they regulated the max amount of fuel, they reduced the top speeds, they added safety barriers, etc...
Do it with football. Change their gear, change the allowed "hits", remove their cleats, etc... I don't actually watch football so I'm not sure what would help or wouldn't, but don't act like this is just impossible to resolve.
Yeah, people would probably hate these kinds of solutions right now, but if you get the public opinion on your side, and you start moving in that direction people will change, they will realize being able to watch a safer form of football with their favorite players in it beats being able to watch "current football" but with all their favorite players horribly injured with their lives ruined.
1) Is the impact to the brain higher because of the protective equipment? Would people tackle as ferociously without it? You are allowed very little of that gear in Rugby. Head clashes in particular are rare in Rugby, without the helmet you put your head to the side of someone when you tackle!
2) American football players seem to carry a lot of body mass for fast people. Is it possible that their advanced sports science is a bit too pharmaceutical in nature? I wouldn't want to suggest anything, but is there a chance steroid use is widespread? If this is the case then clamping down here would presumably lessen the hits?
Yes.
> Would people tackle as ferociously without it?
No.
Back in the day, some ~100 years ago, American football wore leather "helmets", which weren't hard helmets as we think of them today.
From time to time, a player would die from a skull fracture after a rough tackle. Then they implemented hard helmets to prevent people from dying.
The unintended consequences of that was it allowed for rougher tackles and repetitive, regular brain trauma.
Same thing happened with boxing. Back in bare-knuckle days, human fists couldn't last too long against the skull. After they introduced gloves to protect hands and have the fights last longer, the weakest link became the brain.
In the UK Rugby fills an interesting social space. In southern England Rugby Union is a game played by posh schools (and indeed named after one), and remained amateur(ish) until 1995, in Wales it was a working class game and a way-of-life. In northern England they play a completely different game called 'Rugby League' which was always professional, further north in Scotland they play rugby Union again. In Ireland again it is associated with posh schools and English occupation! Occasionally (as is the case this summer) all of the nations team up as the 'British and Irish Lions' to go and take on the mighty All-Blacks of New Zealand, or in other years Australia and South Africa. It does strike me that with several US sports you seem deprived of the drama of regular international competition...
Out of curiosity, how severe is the average injury in Rugby?
I would say the most common injuries by far are related to muscle strains, tendons and ligaments etc like you could see in any sport. Cuts to the head are fairly common, as are the fabulous 'cauliflower ears' caused from bleeding inside your ear. But this is from being squashed and abraded, not hit. I haven't watched too much American football, but it seems a lot more stop-start, with considerably more changing of players. In Rugby you are running around for 80 minutes, so more athletic injuries rather than collision related. Perhaps having to pace yourself also lessens the hits? Spinal injuries seem very rare, and are much more likely due to some kind of contortion rather than impact.
Concussion does happen, but normally seems to be an accidental clash of heads or falling on a knee, perhaps. When it happened to me it was a result of me running to join a ruck (think lots of people pushing each other over a ball on the the floor after a player has been tackled), which kind of split in half and someones head slipped through to catch me in the face. In the top level, if the referee sees you suffer a head injury or get knocked out you are sent off to see the doctor for 10 minutes. If he suspects concussion you wont play again for two weeks. A Welsh international (George North, Wales is Rugby mad btw) got a concussion on his return from a concussion break and this resulted in him spending the best part of a year out of the game!
I don't think head on head hits are common at all. When you tackle in Rugby you have to attempt to wrap your arms around the player, and tackles are much more 'tacklers shoulder to midriff or legs'. I think being winded or hurting your stomach muscles is most likely. you certainly cannot tackle above shoulder high. Re: protective equipment, I wore non at all. Gum shields are common, as is electrical tape around your ears and some petroleum jelly on your eye-brows! Now a number of players where a 'scrum-cap' which is a close fitting lightly padded cloth device to help stop cuts and abrasion to your head. Professional players often wear a kind of shoulder pad designed to protect your collar bone, but it barely makes a dent in your shirt it is so small!
Considering the level of competition in American football I would be surprised to find a significant number of players not taking steroids.
As a general rule, the more elite your level of something, the lesser the difference in ability between you and your peers. Also, at the elite levels you get diminishing returns on your "investment" of more training.
Thus, at the level of, say, the NFL, can you really imagine an athlete turning down a drug that will boost his performance by, say, 5%, when he is training 100 hours per week to improve by 1%?
Also, athletes who do not take steroids are probably weeded out at the high school and college levels, so by the time you make it to the NFL you probably have few, if any, "natural" players.
W.r.t. steroid testing, I could be wrong but last time I read on the subject the tests used were easily circumvented.
https://en.wikipedia.org/wiki/History_of_American_football#V...
More games means coaches have to optimize for not injuring players.
Attempting to force teams to bench their best players for injury prevention / adding games to the schedule that will be played by the bench players will also lower the quality of pro games, and turn off even more fans to the NFL - which is already not doing great.
Additionally, nobody was talking about forcing coaches to bench players, we're talking about setting up the system such that coaches feel it's in the best interest of the team to occasionally bench (rest) players. Also, you don't send an entire team of lower quality players out at once, you cycle them through such that you're still always playing at a high level, just maybe not the peak possible (which you often aren't because of injuries anyway). There may be additional benefit to running more games when it comes to fan viewing and involvement, I'm not sure, but there's probably good data on it for many other sports.
Dismissing safety as impossible "because physics" is just silly. Technical solutions are the easy part. It's the culture change that is difficult.
You can for example mandate braces which would prevent most joint injury. The added weight while minor slightly reduces performance so it can't catch on at an individual or team level.
One of the issues with football is that because they're wearing helmets they think that contact on the head is safe. It's incredibly not.
Keep in mind that there are many viewers who are not really interested in the sport itself but explosions, injuries and other accidents. For them, the lack of safety is a "feature." You can easily check the view counts of videos for "big football hits" or "nascar crashes" on youtube to see that it's not a small audience.
There's also the fact that having additional protection makes people feel more confident and take more risks than they normally would. With all the additional padding, there are a lot fewer minor injuries but more of the serious (and less frequent) injuries.
In the NFL, the players don't have much authority past their players union, and it's been documented that most of the players who hold power are the NFL stars, who's comp structures don't incentivize participation in CBA's.
Pro Football players live on average more than the average american male.
Boxers still coach boxing though. This is just a smaller version of the mentality of people watching gladiators.
– "Football, dogfighting and brain damage"[1] by Malcolm Gladwell.
– "Football continues to dominate high school sports despite concussion risk"[2]
– "What Happened Within This Player’s Skull"[3], which examines acceleration/etc from each hit
[1]:http://www.newyorker.com/magazine/2009/10/19/offensive-play
[2]:http://www.foxnews.com/sports/2012/09/08/football-continues-...
[3]:https://www.nytimes.com/interactive/2017/01/09/sports/footba...
http://bleacherreport.com/articles/2705935-joe-thomas-says-h...
https://www.washingtonpost.com/news/sports/wp/2016/06/07/chr...
I am used to follow soccer. Soccer players in Brazil don't usually finish school properly and come from very poor background where education is awful even if you finish school. It is a sad state of basic understanding of the world and autonomous thinking.
Jesus. It's like one of those generational cycle of abuse stories.
That's a tall order though. I don't think all those conditions are necessarily being met!
This includes:
- Hundreds of competitive basketball games - youth, AAU, high school, etc.
- Thousands of running miles - including completing (and winning) trail/mountain ultra marathons
- Dozens of soccer games at mixed levels
- Training and sparring at a boxing gym for 4-5 days a week for a year
And none of this has caused any major injury.
The two years I played high school football? A separated shoulder, and a torn MCL. Not to mention having my bell rung many times. I could measure the amount of football games I actually played in like under an hour worth of actual time.
But of course as you get old your body is gonna break more easily, that's what aging after 25 means: decay.
I wouldn't be surprised if it does. If I remember correctly, a boxer hits harder with a gloved hand than without. Weirdly, this is generally because with the glove on, a harder punch doesn't hurt the hand as much than a punch without it. I'd not be surprised if it is similar in football.
Concussions result from your brain rattling around inside your skull like Jello. It's hard to write them off as minor inconveniences when you look at it like that. I recommend watching the "beer bottle to the head" episode of Mythbusters; those slow motion shots are scary (though exaggerated).
On top of regular public healthcare and pension, I have three policies:
1) sickness daily allowance (the dictionary says this is what it's called in English). This will kick in after 20 (half sum) and 40 (full sum) days of continued (but temporary) inability to work, and should be enough to keep the lights on. IIRC it stops paying if I turn out to be permanently unable to work.
2) occupational disablement insurance (again, according to dictionary). This will pay out a monthly allowance for the rest of my life if it is determined that I am permanently unable to perform my profession for health reasons (including mental health).
3) "dread disease" insurance, which pays a six-figure lump sum if I contract one of a finite list of common dangerous diseases (cancer, heart attack, stroke, ...) Keep in mind that I won't need this money for healthcare as I would be protected by health insurance. This is really to protect my family's and my lifestyle and future.
BTW both 2) and 3) have a contractual clause to pay me out first, and then go to court if they disagree with the assessment. That way their lawyers can't just starve me while I enjoy my chemo or something.
Talk to your insurance broker. They will have options for you.
You stop working, whether voluntarily or not, due to an injury.
If you love riding a motorcycle, the risk is a cost you accept. I know the risks and I try to minimise them by riding defensively and riding with full gear all the time. I do not kid myself, however, that this will save me if there's a crash on a motorway.
However, I take this risk because I get so much joy out of the activity.
Ride safe fellow riders!
I got hit head-on, suffered several broken bones, now have a bunch of metal in my body, and couldn't walk for a few months (and I know several people who have been killed), but I got right back to riding as soon as I could.
This is a valid personal choice. But with what you've written above, you're just convincing me to never ride a motorcycle. This is coming from a bicyclist who enjoys good downhills on my road bike at speeds in excess of 40mph (fast for a bicycle and little armor). So I get the thrill, but I've never experienced the number of issues and extreme physical trauma that I read about people on motorcycles.
I daresay a bicyclist would have come off worse than I did (hello, road rash) - especially if they hadn't worn a helmet (Montana doesn't have a helmet law for anyone over 18).
EDIT: The risk of dying is higher than that of being in an automobile by the pure statistics of it, but by riding smart you can easily bring them down significantly - there's a lot of idiot riders out there wearing flipflops and shorts, with no helmet to pump those statistics up.
Wear a helmet. Wear leathers or their synthetic equivalent. Wear armor to protect your joints (usually built into riding gear). Keep your bike in good maintenance. Don't ride beyond your limits.
Yes, I feel a bit hypocritical saying this after discussing my own concussion, but damn it, it's fun. As freeing as a bicycle, but faster.
Motorcycles just add more speed to the equation,
and have to play in the same arena as cars.
aren't these two points a pretty big deal?> They had all kinds of neuro training exercises and routines they put me through, but a lot of it was centered around meditation and intense emotional therapy sessions. The exercises and therapy were to stimulate the parts of my brain that were running slow, and the mediation was to slow down the parts of my brain that were going a mile a minute.
I guess that is how they reset his brain. I need the same thing. Three years and still recovering, I have counted five bottlenecks in getting there.
1. Fear of memories, 2. Ego/arrogance, 3. Imbalanced thought pattern, 4. Mental unrest, 5. Lack of stimulating activities.
Now that I think of it, the author has described the same thing. Meditation has worked wonders. I have combined it with philosophy and reasoning. I am also trying to identify and reduce areas of ego. Stimulating activities is a recent discovery but I am still working at finding stuff for it.
And the results are interesting: before my mind was on infinite replay, then had a hard time remembering stuff, and now memories from when I was one years old are coming back like it happened yesterday. That never happened!
Meditation: Put yourself in an uncomfortable balancing position, like tip toeing. Any trembling is a symptom of subconscious issues, so clear your mind and you will be able to balance without much effort. Add stress to the balancing act to uncover the more subtle subconscious problems. This should begin the healing process. The issues were pulling at you even when you least realize it and cause much damage and tension to the brain. Meditation reduces bottlenecks 1, 3, 4.
Philosophy/Reasoning: Watching dog whisperer, I am learning calm assertive energy techniques. Reduce your hyper self. Don't take action from a fearful, frustrated, angry, or low-self estem position. Because then you are in a compromised state. Don't react, and if you do, know that nothing you do when you are reacting counts. Reaction is not bad by itself. It just causes actions that would not have happened in a calm state. In moments of a highly reactive state, remove yourself from the situation and clear your mind. Try to figure what frustrates you or makes you fearful and disassemble it into small manageable parts that you reason through one by one.
Reduce your ego: Meditation is clearing your mind. Philosophy and Reasoning loosens the viscosity of the toxic liquid. Ego is the shell that protects it and keeps you in an entangled state. Although ego is normal and makes you human, too much ego puts you into a state of arrogance. Loosen the arrogance. Eliminate the arrogance. Remind yourself that nothing you do is amazing and all that you have is a priveledge and was given to you and was never yours to begin with. Then reduce your ego. Think of all your skills and abilities as something you have done a thousand times, a million times, and it lost its awe. Do you have ego in your ability to walk? So why do you have ego in everything else?
Stimulating activities: I am new at this, so I am still trying to figure this one out. PH.D. research stuff and logic gets me excited. (It also brings back ego, arrogance, fear, etc.) Problem solving gets me excited. Being better than everyone else gets me excited. (THE conundrum!). If I can preserve the first three steps, or the longer I can mantain it, the more I benefit from a stimulating activity.
So that is my attempt and my mind is somewhat healing. I hope you make it out alright.
A few things on the side: a messy room, or a messy essay, or a messy thought process is a reflection of your state of mind. Coming to terms with your inabilities brings rest to your mind. Collapsing from a highly skilled intellectual position means you have to rebuild yourself up. If the skills and confidence you developed was scaffolded with one on top of another, then your recovery will be painful. Don't scaffold again this time. Hope all this helps.
Did you learn this approach through trial and error or were you following some teachings?
Listen to music and learn an instrument, play chess, learn new languages, memory exercises, physical exercise, meditation. I think that hits most of the high points I've read about cognitive stimulation.
The perspectives are often fascinating. Here's another great one from Bronson Koenig, a Native American and one hell of a basketball player, on his experience at Standing Rock: https://www.theplayerstribune.com/bronson-koenig-wisconsin-b....
It's great to see profiles, nuance, perspectives, and discussion from players - not the league or talking heads on ESPN who won't even really touch a lot of issues with or tangential to sports with a 10-foot pole. Sports don't have to be separated from other parts of culture.
FWIW, some articles are written by the athletes themselves, and others are ghostwritten in close conjunction with the athletes. (I have no problem with this at all; it's still the athletes' stories)
One use is for coaches to mandate players retake it periodically, so players can stop playing before the point of no return.
https://techcrunch.com/2016/10/27/braincheck-raises-3-millio...
This is a fantastic story, and a wonderful recovery, but getting to the end of it and coming across this line... it's great that he's helping coach these kids, but it would be even better to steer them in a direction where they won't end up with the same story, or worse. Never making it, but still having the same symptoms. There are other sports, way less impact.
I grew up playing soccer, and even there they, at least in the US, as I understand it from my nephews, heading the ball is illegal until high school.
Concussions are problems in all sports, but American Football is just about the worst, and on top of that does so much other damage from the heavy hits. Concussions are perhaps the most prevalent and biggest problem.
I used to be absolutely obsessed about football, and getting used to not playing anymore was a real challenge to my identity.
I look back on it now though (that was > 20 years ago now), and I wouldn't choose to play the game again. It was an amazing way to push myself, and I learned a lot about character and determination. The cost really isn't worth it though, and I've seen a bunch of people pay even higher costs than me.
I also think - if I had kids, I wouldn't want them to play the game. It's just too dangerous, and that danger is built into how the game is played. People in the business often say "don't hit with your head" but watch any game, and you'll see lots of head contact on every play. The cumulative effects of that alone, not even counting the big hits - I think is quite substantial.
Unfortunately I don't see the game or the protective gear actually changing much to lessen the degree to which these (predictable) injuries happen. And to a great extent, more protective equipment means people just hit that much harder - often times still injuring, but in ways that are harder to see.
Maybe in a Rec league, but if it's any level of competitive play then they'd have been heading the ball since grade school.
A few thoughts -
In my own experience in playing contact sports (lacrosse, not football), it's a trained behavior to shake off injuries, avoid trainers, and otherwise ignore your body's warnings of potential harm. This is taught by the coach [or worse, parents]. The encouragement to push yourself beyond natural limits only increases as you progress to the collegiate and professional levels.
The unfortunate effects of competition are that coaches skirt a dangerous line of balancing the star player[s] safety and winning the game, and this behavior is clear to the players lower in the depth chart who wish to become the next star.
Some of the more disturbing things openly shared were how to pass the concussion protocol, that coach will let you take off a week of practice after a hard head hit so don't go to the trainers, and to shake off any and all injuries as you will be rewarded for being tough. I, and any number of my ex-teammates, agree we experienced what are now known as "minor concussions" constantly throughout our season. Only major concussions would go reported. Being able to walk off the field typically meant you had only a minor injury, and could go back in once getting some wind.
The fact that so many are injured during practice goes to show, it's coming from the coach's inaction and not just during the heat of the game.
Under this light, I think Finley is taking a proactive approach to change by inserting himself on the front lines.
Absolutely. Personal experience FWIW -- 30 years ago, different sport (wrestling), different country, different culture, very low amateurish level, but typically the same attitude. First time I got a moderately serious injury (torn acromial ligament, couldn't move the arm for 6 months), I basically got yelled at by the coach saying either I continue to came to training and work with the other hand, or I split off. So the next time (I landed almost vertically on the top of my head instead of flatly on the back -- now he was afraid, but I was so proud of myself, didn't even want to interrupt the exercise.
Fast forward 30 years. I realise now that in some sports, people who didn't make it "to the top", are sometimes left with what seems like small stuff when you're 16 -- damaged teeth, torn ligaments, broken ribs -- but which age much, much worse than the rest of the body.
I wonder how the health damage of sitting at a desk for years compares.
Not comparable, the only real risks of brain damage sustained while working a cushy software job are injuries sustained while commuting and reading really bad HN comments.
Rugby matches are very rough with near constant collisions but no pads. I'd be really interested to see a comparison study between to two.
In rugby, every position involves collision. As a backline player most of my job was to run, but there was no way of ever avoiding multiple collisions in a game. Less impactful then football for the reasons you mention, but more frequent. I know for certain that I've had (at-least) a few concussions in rugby. For instance, getting up from a hit and having no idea where you're at for a second, and then feeling the world morph back into you as if it were knocked right out.
There are many accounts of players saying they don't remember huge periods of matches. Shonatayne Hape gave a great interview which is absolutely terrifying, where he describes the effects and how it became progressively easier for him to lose consciousness to the point where he didn't even have to been hit in the head by the time he retired:
http://www.nzherald.co.nz/nz/news/article.cfm?c_id=1&objecti...
[1] https://en.wikipedia.org/wiki/Scrum_(rugby_union)#Safety
There's a fairly well established correlation between head trauma and this abominable affliction. Why anyone voluntarily would throw themselves into that kind of risk is utterly beyond me.
But then, so is any kind of football, be it the US or the European kind.
How so?
From the Mayo clinics page on CTE
"CTE is a progressive, degenerative brain disease for which there is no treatment."
Multitasking has become extremely difficult, even though it was never a problem for me before. It's a complete killer for my mind and it will exhaust it at the expense of the previously mentioned information-acquiring capacity very quickly. When I worked as a developer, trying to switch between multiple tickets between code reviews, conducting chats in multiple channels, and jumping back and forth between various programming languages was a huge sap upon my limited mental energy.
My first concussion wasn't too severe, but my second one was more so, as I probably was still healing from the first one. I had just come back from a break from work and didn't feel right in taking sick time. Compounding this, I was in the process of switching careers to become a developer and was studying very hard every night. I remember one night, about a week after my concussion, when I was writing some code. The pain in my head increased, until it became a pain of an intensity that I had never experienced before. This was probably my first experience of what would become many years of migraines... and this next part is probably unscientific, but I really felt that something "broke" at that point, as it signaled the start of many months of cognitive decline and emotional instability.
I sustained my third concussion when I felt pretty well healed from the second one. Not having learned my lesson, I didn't take much time off of work. While I didn't feel something "break" like the second time, I was working on a difficult project under a short time schedule, and I was worried about losing my first programmer job and the damage that could occur to my career if that were to happen. I made it through that project, but then new problems began to develop... and to persist. Two years later I still have many of the same problems. I wonder if my dedication to that job and love for programming have resulted in irreversible damage. It wasn't worth it.
Friends, we are all on this site because we are people who greatly use our minds. I want you all to remember that we each only get one brain, which is not only essential to our profession but which is the core of our personality, of who we are. The severity of impact is not associated with the severity of damage from a concussion, and experiencing one concussion makes you more prone to further concussions. My 3 dumb accidents have made the last 5 years of my life difficult in many ways, and have probably changed me for the rest of my life.
As such, I cannot condone willingly embarking upon an activity such as football which so clearly places one's mind at risk. To the author of this piece and to some who read it, football may be a game, but I think that our lives are more valuable than games to be played, than entertainment to be had. For every high profile recovery like this, there are countless children who are severely and permanently damaged for the sake of sport. Treasure your mind and the minds of your loved ones. And if you ever do suffer from a concussion, take complete and absolute rest, lest you jeopardize the healing process and find yourself with lifelong injury.
There is a name for all that, it's called "luxury problems". Like Paris Hilton telling us that her boyfriend threw her diamond thong out of the window and she can't find it anymore. Terrible.
I'll probably get downvoted for this, but somebody needs to say it: you're an a-hole.
2. Nobody is requiring anybody to read his story; he's simply making it available to anybody that is interested.
3. His story is relevant to millions of (professional, amateur, and occasional) athletes around the world... and millions more with traumatic brain injury.
4. He does have millions of dollars, but a lot of people with chronic illness would gladly trade all that money for a clean bill of health.
5. Consider that when you hear figures like "ten million dollars" that the player may receive only half of that, when taxes and agents' fees are deducted.
6. Even if he got to keep all $10mil tax-free (which he almost certainly didn't, IMO) if he lives another 50 years, that's only $120K per year. A comfortable living, well above average, but certainly not unlimited.
The $10 million he got was from an insurance policy, which he said was "tax-free", and which it sounds like he bought for himself. That agrees with what the IRS says:
"If you pay the entire cost of a health or accident insurance plan, don't include any amounts you receive for your disability as income on your tax return."[1]
And I doubt that his agent would be entitled to any of his disability insurance.
I agree with your other points.
[1] https://www.irs.gov/help-resources/tools-faqs/faqs-for-indiv...
I really, really don't see how lasting problems from brain injuries is anywhere near the same as your Paris Hilton "luxury example", except for the fact that he happens to have some money.