Assuming that McGrady is covered under the NBA’s Temporary Total Disability (TTD) insurance policy, Houston can start to collect up to 80 percent of his prorated per-game salary after he’s missed 41 consecutive games. McGrady sat out his 42nd straight game Wednesday in Minnesota, and the league insurance plan would reimburse the Rockets for any additional missed games.
For the rest of the season, the insurance policy could cover 80 percent of his per-game salary of $282,946. Even if McGrady returns to the lineup for one or more games this season, the insurance would still pay the Rockets for each additional missed game. The insurance company can identify 12 exclusions to the policy among particularly high-risk NBA players, but can only do so at the time a new contract is signed. McGrady signed his three-year, $63 million extension in November 2004.
