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Philip Rivers Returns to Colts, Resetting Post-Retirement Health Coverage

His comeback restarts the NFL’s five-year benefits window, extending insurance for his household.

Overview

  • Rivers, 44, is back as Indianapolis’ starting quarterback after a Week 15 debut and is set for a Week 16 game against the 49ers.
  • Under NFL rules, post-retirement coverage runs five years from a player’s last game, so his return restarts that clock.
  • After retiring following 2020, his coverage had been set to end in August 2026; if he retires after this season, it would run through about August 2031.
  • He and his wife, Tiffany, have 10 children ranging in age from 23 to 2, and they became grandparents in 2024.
  • Rivers says Tiffany supports the decision but is nervous about the physical risks as he resumes play at an advanced NFL age.