Sport season is here for those who are lucky enough to be able to play during this pandemic. That means your favorite players—from the pee wees to the pros—are out there practicing their drills and honing their skills on the field. Safety is an utmost concern, and increasingly so. But despite the precautions of coaches and parents, accidents can and do happen. Read on for tips to protect your family athlete (and your family’s budget!) from the costly consequences of sports-related head injuries.
Heighten your concussion awareness
Concussions can be a serious problem for all athletes, especially those who play a contact sport such as hockey and football.
Here are a few important facts about concussions:
What causes a concussion
Concussions are caused by a bump or jolt to the head, or if the lower part of the body is hit in such a way that it causes the head and brain to move quickly back and forth.
Concussions can also occur from a fall. Doctors have increasingly realized that many athletes may just write off a bump to the head as not a big deal. However, it is actually extremely important to recognize when a concussion has happened and to immediately receive medical attention.2
How to identify a concussion
A concussion is a brain injury, and it’s critical that parents, coaches, and players alike can recognize the signs of a concussion and ensure an athlete receives immediate medical attention if they develop symptoms, even if that’s days or weeks after the injury. Common symptoms of a concussion include:3
Recovery is key for the injured person to return to health and a full quality of life, physically and cognitively. Rest is the most important treatment. The athlete should not do any activities—including exercise, driving, reading or even playing on the computer—that may make their symptoms worse. Plus, their return to school or work should occur gradually and not until they feel better and school/work activities do not aggravate symptoms.4
Understanding the risks
Athletes of all ages and levels are susceptible to experiencing serious and even life-threatening injuries while playing their sport. All it takes is one hard hit (or a bump, blow, jolt or ding) to the head, with or without a helmet. Here are some facts:
How to prevent a concussion
At the professional level, there’s always more being done to make gameplay safer. For instance, the NFL and its 32 club owners are now providing an additional $100 million to support engineering advancement, medical and neuroscience research. On top of that, researchers at UCLA are working on a new material to replace foam in helmets and the US Army Research lab is researching the use of fluid-filled elastic straps to improve neck support.6 But what can you do to promote safety?
You should encourage your family athletes to wear protective gear like helmets and mouth guards and listen to the advice of their coaches and physicians. Additionally, ensure that playing surfaces are even and free of potholes.
And because the unthinkable can happen, be prepared with a quality supplemental accident insurance plan. Even if you have savings set aside to help cover unexpected hospital visits, you may be surprised by how quickly funds get used up. Aside from your deductibles and coinsurance, you’ll likely have other costs associated with the injury like transportation to and from the hospital and even loss of income if you stay home to help care for your recovering child. An accident plan can help you cover these costs—and more. Learn about the Combined Insurance Accident Protector todaylink opens in a new window!
Accident insurance policies issued by Combined Insurance Company of America (Chicago, IL) in all states, except New York. In New York, life, accident & sickness and disability insurance policies issued by Combined Life Insurance Company of New York (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York.
1-Concussion and Mild TBI Retrieved August 18, 2020, from https://www.cdc.gov/concussion/
2 Concussion and Mild TBI Retrieved August 18, 2020, from https://www.cdc.gov/concussion/link opens in a new window
3 NFL outlines for players steps taken to address concussions. (n.d.). Retrieved August 15, 2017, from http://www.nfl.com/news/story/09000d5d8017cc67/article/nfl-outlines-for-players-steps-taken-to-address-concussions.link opens in a new window
4 -Recovery from Concussion. (2019, February 12). Retrieved September 01, 2020, from https://www.cdc.gov/headsup/basics/concussion_recovery.html
5 Helmets and Mouth Guards: The Role of Personal Equipment in Preventing Sport-Related Concussions Retrieved January 30, 2011 from, https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2987604/link opens in a new window