49ers

Reports: Kaepernick has $7.5 million insurance policy

Reports: Kaepernick has $7.5 million insurance policy

ORCHARD PARK, N.Y. -- Quarterback Colin Kaepernick gave up one insurance policy for another to provide financial protection against a significant injury this season.

As part of the restructured contract that Kaepernick signed Thursday, the 49ers purchased an insurance policy that will pay him $7.5 million if he sustains a long-term injury, according to multiple reports.

The sides agreed to a new deal that eliminates the $14.5 million guarantee for the 2017 season if Kaepernick sustains an injury in which he would not able to pass a physical by April 1, 2017.

The insurance policy is not covered by the league’s collective bargaining agreement and has little impact on the 49ers' salary cap. The $7.5 million insurance figure is tax-free and would approximate the take-home pay that Kaepernick would receive on the $14.5 million figure for the 2017 season.

The possible payout on the insurance policy would not be subject to the salary cap. However, the premiums -- which could range from $300,000 to approximately $500,000 -- are subject to the salary cap, a source told CSNBayArea.com.

As part of the deal, the remaining $1.375 million of per-game roster bonuses become fully guaranteed for the remainder of the 2016 season. He also would reportedly receive an additional $1 million on top of his $11.9 million salary for this season if he plays at least 50 percent of the team’s offensive snaps for the remainder of the season.

Coach Chip Kelly on Tuesday announced Kaepernick would take over as the 49ers’ starting quarterback in place of Blaine Gabbert. Kaepernick is set to make his first start since Nov. 1, 2016, on Sunday against the Buffalo Bills.

After getting benched in the middle of last season, Kaepernick underwent season-ending surgery on his left shoulder. He had offseason surgeries on his left knee and right thumb. Because he was unable to pass a physical by April 1, his entire $11.9 million salary for this season became fully guaranteed.

Kaepernick signed his original six-year, $115 million contract in June 2014. Under terms of the new contract, Kaepernick can void the final four years of his contract after this season. That move would enable Kaepernick to become an unrestricted free agent at the beginning of the new league year in March 2017.

ESPN and NFL Network were first to report the details of Kaepernick’s insurance policy.

John Lynch explains how Dee Ford can make 49ers defense dominant force

John Lynch explains how Dee Ford can make 49ers defense dominant force

PHOENIX — General manager John Lynch wants to make the 49ers' defense a dominant force in the NFL and he thinks the signing of Dee Ford can help him achieve that vision.

There are currently four first-round picks on the 49ers' defensive line; Arik Armstead, DeForest Buckner, Solomon Thomas and now Ford.

Buckner had his best season in 2018, registering 12 sacks, 67 tackles, 44 of which were solo and 17 for a loss. He also recorded 20 quarterback hits. Lynch detailed how adding Ford will increase Buckner's productivity.  

“We felt we were just missing that edge piece,” Lynch said. “If we just had one guy there. It’s not like brain surgery. I think DeFo is a guy who has played at a high level but he’s had so many rushes that he hasn’t been able to finish because they aren’t getting it from the edge. 

“Now we have that. Dee is known, I think, for having the best first step in football coming off the edge. All of a sudden you have a tackle who doesn’t feel so good about hanging in here to help on DeForest because ‘If I do that Dee’s gone.’” 

Lynch doesn’t believe that the defensive line will be too crowded. The 49ers are very open to the idea of adding another first-round selection to the defensive line on April 25th. The defensive line room could potentially have Nick Bosa, Josh Allen or Quinnen Williams added to it on Day 1 of the NFL Draft. 

“I think there’s enough to go around,” Lynch said. “I think you want to be great at something. I think some people want to think that’s one guy. Well, for us, that’s always been collective.” 

There were games in 2018 when it seemed like a challenge to get every defensive lineman playing time.

Lynch explained the thought process behind the rotations. 

“We walked into a situation where there were some guys that had been drafted very high,” Lynch said. “I think two years in, we’re figuring out what everyone does best. What I would say is there is enough snaps to go around, but collectively we want to become a dominant force there, because we think that’s very important. It can really change the course of a game.”

[RELATED: 49ers considering all options with No. 2 overall pick]

Lynch has recently mentioned needing "closers" and "game changers" on the defense. He may not only have one of those in Ford, but he also may have just given the team their personality.

“You start to get excited about all those things,” Lynch said. “Those still have to come to fruition but I think we put the pieces in place. That’s the vision we have for that group.” 

NFL draft: 49ers considering all options, including trade of No. 2 pick

NFL draft: 49ers considering all options, including trade of No. 2 pick

PHOENIX – The 49ers have not necessarily narrowed down their list of potential targets for the No. 2 overall pick.

Although there is reason to believe former Ohio State defensive end Nick Bosa tops the team’s list, the 49ers are still formulating a plan to consider all options, including potential trades, that could become available prior to next month’s draft.

The 49ers have six draft picks, including the No. 2 overall selection.

“We’re looking at a ton of people right there and kind of figuring out, ‘OK, if we’re here, this is what we’re doing,’ ” 49ers general manager John Lynch said. “If not, we got to be prepared to understand who are the guys we like that we think can make us a better football team.”

The NFL owners meeting is a time when coaches and general managers can get together over a cold, icy or neat beverage to discuss different trade scenarios.

On the surface, the 49ers’ decision at No. 2 looks simple: Come up with two names, in order. If the Arizona Cardinals take the first player on the list at No. 1 overall, select the second guy on the list.

Boom! There you go.

But 49ers CEO Jed York said it’s imperative for Lynch, coach Kyle Shanahan and executive vice president of football operations Paraag Marathe to have a more detailed plan in place.

“We’re very, very happy with players who will be there at two,” York said. “And we need to be prepared, if somebody offers a trade that is too good to pass up, we need to know what we’ll do if we move back and what would we not take.

“You have to have that planned out beforehand because if you’re trying to figure all that stuff out, it’s OK in the second or third round, but when you’re the second pick in the draft, you can’t do that on the fly. It’s way, way too hard, so you need to get a sense of it.”

Bosa, Alabama defensive tackle Quinnen Williams and Kentucky edge rusher Josh Allen are scheduled to visit the 49ers next month. Each is worthy of serious consideration for a high draft pick.

“You really want to come out of it with a player who is really going to be able to change the fortunes of your franchise,” Lynch said. “This year is a draft that’s very deep and there are also very good players at the top, so I think we’re in good position.”

The 49ers finished last season with a 4-12 record to be assigned the No. 2 overall pick. They need at least one difference-making player to make an immediate impact.

“I don’t expect to be drafting in the top two again, and if that’s the case, you have to add really, really talented players,” York said. “Or you have to get a ton of capital in order to move back, so you can make up for maybe not getting that No. 2 guy in the draft, but you’re getting a lot in return if you’re going to give up that opportunity.”

[RELATED: Lynch says McKinnon fits 49ers' plan for upcoming season]

The first wave of free agency has ended, and the attention shifts toward the three-day draft, which kicks off on April 25. The conversations at the owners meeting are an important part of the draft process.

“Things aren’t fully in focus, yet, in terms of what everybody is going to do,” York said. “But this week helps you at least get a better sense of that and just keep working toward your plan so you’re ready when the whistle blows come draft day.”