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.

2019 NFL Draft order: Full list of Round 1 picks, No. 1 through No. 32

2019 NFL Draft order: Full list of Round 1 picks, No. 1 through No. 32

Teams will make their first-round picks at the 2019 NFL Draft in Nashville, Tenn., and it's likely the order entering Thursday night's proceedings isn't how it will end up.

Trades always shake up the draft order, and a few teams are primed to make deals this year. The Raiders, for instance, own three first-round picks, and if they decided to package the Nos. 24 and 27 selections -- acquired in the Khalil Mack and Amari Cooper trades, respectively -- they could move up in the order.

There also has been rumblings that the No. 1 pick, owned by the Arizona Cardinals, is up for sale. If the Cardinals decide to deal, that could change the face of this draft, beginning with the 49ers' pick at No. 2.

Until then, we only can go off how the order is now, and you can see which teams own Nos. 1 through 32 in the list below.

2019 NFL DRAFT ORDER
1. Arizona Cardinals
2. San Francisco 49ers
3. New York Jets
4. Oakland Raiders
5. Tampa Bay Buccaneers
6. New York Giants
7. Jacksonville Jaguars
8. Detroit Lions
9. Buffalo Bills
10. Denver Broncos
11. Cincinnati Bengals
12. Green Bay Packers
13. Miami Dolphins
14. Atlanta Falcons
15. Washington Redskins
16. Carolina Panthers
17. New York Giants (from Cleveland Browns in Odell Beckham Jr. trade)
18. Minnesota Vikings
19. Tennessee Titans
20. Pittsburgh Steelers
21. Seattle Seahawks
22. Baltimore Ravens
23. Houston Texans
24. Oakland Raiders (from Chicago Bears in Khalil Mack trade)
25. Philadelphia Eagles
26. Indianapolis Colts
27. Oakland Raiders (from Dallas Cowboys in Amari Cooper trade)
28. Los Angeles Chargers
29. Seattle Seahawks (from Kansas City Chiefs in Frank Clark trade)
30. Green Bay Packers (from New Orleans Saints in 2018 draft-day trade)
31. Los Angeles Rams
32. New England Patriots

NFL draft tracker 2019: First-round pick, trade updates as they happen

NFL draft tracker 2019: First-round pick, trade updates as they happen

The 2019 NFL Draft starts Thursday night in Nashville, Tenn., and the Bay Area's two teams should be in the center of the action.

The 49ers own the No. 2 overall pick, and the Raiders have three selections -- Nos. 4, 24 and 27 -- meaning they have many options that could decide where the top prospects fall.

The 49ers seem set on Ohio State's Nick Bosa with their selection, but should the Arizona Cardinals, who own the No. 1 pick, surprisingly trade down or pick an edge rusher instead of Oklahoma quarterback Kyler Murray, their focus could change. One option: Alabama defensive tackle Quinnen Williams, whom many have ranked No. 1 on their draft boards.

Williams also could fit the Raiders with the No. 4 pick, but there have been whispers about a trade up to No. 1 for Murray. That might require the Raiders to give up two first-round picks, and should a deal happen, it would completely alter the league's landscape.

It promises to be an interesting slate of 32 picks made in Music City, and you can follow live as each selection is made in the 2019 NFL Draft tracker below:

1. Arizona Cardinals
2. San Francisco 49ers
3. New York Jets
4. Oakland Raiders
5. Tampa Bay Buccaneers
6. New York Giants
7. Jacksonville Jaguars
8. Detroit Lions
9. Buffalo Bills
10. Denver Broncos
11. Cincinnati Bengals
12. Green Bay Packers
13. Miami Dolphins
14. Atlanta Falcons
15. Washington Redskins
16. Carolina Panthers
17. New York Giants (from Cleveland Browns in Odell Beckham Jr. trade)
18. Minnesota Vikings
19. Tennessee Titans
20. Pittsburgh Steelers
21. Seattle Seahawks
22. Baltimore Ravens
23. Houston Texans
24. Oakland Raiders (from Chicago Bears in Khalil Mack trade)
25. Philadelphia Eagles
26. Indianapolis Colts
27. Oakland Raiders (from Dallas Cowboys in Amari Cooper trade)
28. Los Angeles Chargers
29. Seattle Seahawks (from Kansas City Chiefs in Frank Clark trade)
30. Green Bay Packers (from New Orleans Saints in 2018 draft-day trade)
31. Los Angeles Rams
32. New England Patriots