More on the NFL pension plan

In researching the NFL's pension plan for today's Maryland Lawyer cover story, one thing made no sense: If the Retirement Board consists of representatives from the league and the players' union, why wouldn't the union people always side with the players against management? The theory Cy Smith subscribes to is that the NFLPA's demographics make it different from other unions. The NFLPA represents only active players, who are typically in their 20s and 30s. "The NFLPA focuses on interests of current players because they are the bargaining units and they don’t think long-term the way most people in their 20s don’t think long-term," he says. "If you're a current player, your focus is going to be on salary."

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