You forgot traveling while brown. Which is a thing and happens often.

Which is why it’s called the wage differential policy. The old employer pays the difference for lesser employment. If they are flipping burgers then that’s the case. If they end up making more in their new job, there old employer makes nothing.

This is an incredibly irresponsible claim by the NFLPA. The clause is for wage differential. The idea is, let’s say I’m a plumber who gets injured on the job and I am unable to continue my profession and take a lower paying job. Wage differential means that my former employer covers the difference until I reach the…

In this case it’s worth keeping your deductible limit in the HSA and “topping off” as necessary. That way even if you end up with some catastrophic situation where you get sick or injured, you will have squirreled away the money anyway.