With the number of players that got injured during the international break, it is a good time to talk about the FIFA Club Protection Program. This insurance policy was introduced to compensate clubs whose players picked up injuries during the international window.<\/p>\n
This thread explains the policy and outlines the scope of protection. The FIFA Club Protection Program is a policy that covers players who are released by their clubs to play international football and end up injured.\u00a0\u00a0<\/p>\n
FIFA correctly recognizes that clubs must continue paying player wages according to their employment contract, regardless of the whether they are injured. So it seems reasonable that clubs are compensated when a player is hurt while away on international duty.<\/p>\n
Clubs are only eligible to claim compensation under the FIFA Club Protection Programme when each of the following conditions are satisfied:<\/p>\n
\u2022 A player suffers a temporary total disablement as a result of an \u201caccident\u201d<\/p>\n
\u2022 The accident took place during the \u201coperative period\u201d<\/p>\n
\u2022 The injury prevents the player from playing for more than 28 consecutive days.<\/p>\n
<\/p>\n
Let\u2019s look at the scope in detail: the injury must be severe enough to keep the player from playing for longer than 28 days. Minor injuries that sideline a player for a week or two will not see the respective teams compensated.<\/p>\n
Secondly, the injury must have occurred during the \u201coperative period\u201d \u2013 which is the entire period during which the player is under the control of the respective member association (national team) training, travel, matches, etc.<\/p>\n
Lastly, the injury must have been caused by an \u201caccident\u201d. Under the policy, an \u201caccident\u201d is considered to have occurred when a player suffers \u201ca bodily injury due to a sudden external force acting on his body\u201d or \u201ca specific sudden act of exertion at an identifiable time and place from which the football player suffers a bodily injury\u201d. <\/p>\n
The policy clearly\u00a0states that heart attacks and strokes are part of the “accidents”.<\/p>\n
So, how much clubs receive? Clubs are compensated based on the player\u2019s fixed salary, for a maximum of 365 days, calculated on a daily pro-rata basis up to a maximum of \u20ac7.5m per injury. Importantly, compensation is not payable for the first 28 days of the injury.<\/p>\n
A player\u2019s \u201cfixed salary\u201d is the amount of money paid in weekly or monthly installments under the player\u2019s employment contract – this does not include variable amounts such as signing-on fees, image rights payments and performance bonuses, etc.<\/p>\n
So if a player earns \u20ac100,000 per week and is injured for 2 months, the compensation would be calculated as follows:<\/p>\n
\u2022\u00a0\u20ac100,000 per week \/ 7 = a daily rate of \u20ac14,286<\/p>\n
\u2022\u00a0Number of days compensated = 32 (60 \u2013 28)<\/p>\n
\u2022\u00a0Total compensation due to club: \u20ac457,152 (14,286 x 32)<\/p>\n
Note that the policy has an annual fund limit capped at \u20ac80m. So if there are significant claims in a year, the fund could run dry.<\/p>\n
With Memphis Depay, Jules Kound\u00e9, and Ronald Araujo picking up long-term injuries during the international window, Barcelona is expected to claim compensation from FIFA depending on the number of days the players are ruled out for.<\/p>\n
Do you think the injuries could affect Barcelona\u2019s Champions League and La Liga chances as they face Real Madrid and Inter Milan twice in the next few weeks?<\/p>\n
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