Originally posted by 49ers808:
Originally posted by scooterhd:
From the AI robots-
The $20.6 million figure you heard is likely a combination of multiple injury insurance credits, not just one. Here's what the sourced data actually shows:
Nick Bosa's ACL — the 49ers took out an insurance policy as part of Bosa's five-year, $170 million extension. The initial report was "almost $7 million" in cap relief, but the Athletic's Matt Barrows reported additional mechanisms could push the total savings closer to $9 million. FOX Sports
Fred Warner's ankle — Warner suffered a dislocated and fractured ankle requiring season-ending surgery, Wikipedia and the 49ers also had an insurance policy on his contract, which would generate a separate credit.
George Kittle's Achilles — Kittle suffered an Achilles injury in the playoff win over the Eagles, FOX Sports and given he's one of the team's most expensive contracts, an insurance policy on him would be standard practice.
So what does that mean? We get additional cap space of 20.6M compared to other teams?
If that's the case the team should do insurance policies on all our players since we are always the most injured team
Yes. But other teams can be eligible for increased cap space based on other factors like players not reaching expected incentives or by underspending on the cap in the previous year. If you were 10 mil last under year, that carries over as a credit so that you can go 10 mil over this year if you like. So some teams like the Raiders, Titans, Commanders have much more additional space than we do. And that probably explains them spending so hard.
But still, we can go 20 mil over the standard cap so that is nice.
This is something the team would have known was coming and explains why we have bee fairly aggressive and productive in FA even with Trent not being sorted out yet. Also would bolster the user of one year deals.
[ Edited by scooterhd on Mar 13, 2026 at 1:18 PM ]
