[外絮] NBA的退休金制度是如何運作的

來源: HoopsHype
網址: https://hoopshype.com/2020/03/02/how-nba-pensions-work/

How NBA pensions work
NBA球員退休金制度是如何運作的

Thanks in large part to the actions of modern-era players like Chris Paul,
LeBron James, Caron Butler and James Jones (among others), the NBA’s pension
program has significantly improved in recent years. This greatly benefits theold-school players, who haven’t always seen eye-to-eye with the game’s
modern stars.
NBA退休金制度近幾年有大幅的改善，大部分要歸功於現今一些籃球員的努力，像是ChrisPaul，LeBron James，Caron Butler，James Jones跟其他一些球員，這讓那些跟現在這時代球員有著不同意見的老球員獲益許多。

NBA players have had a pension plan since 1965. Any player with at least
three years of service in the NBA receives a monthly pension payment and
access to other benefits (such as life-long healthcare coverage, a
college-tuition reimbursement program and more). In order to accrue a year ofservice, a player must be under contract for at least one game during the NBAseason (whether they’re active or inactive doesn’t matter).
NBA球員的退休金制度是從1965年開始，任何球員在NBA打球打過三年以上，退休之後每月可以領到退休金以及其他一些福利(像是終身醫療保險，大學學費補貼以及其他)。要符合年資資格，球員要在球季裡，在有合約的狀況下至少一場比賽(上不上場沒有差別)，這就符合一年資格。

According to the National Basketball Retired Players Association, after the
changes in 2017, pensions increased by nearly 50 percent for players who
start receiving payments at 50 years old – with corresponding increases for
players who start receiving payment at later ages. Previously, the age-50
benefit paid out $559 per month per year of service. Now, it pays out more
than $800 per month per year of service.
根據NBA退休球員協會，在2017年後的改革後，球員退休後從50歲開始領退休金的金額增加了50趴--若是更晚領，增加的幅度更大。在改革之前，若是在50歲開始領，每多打一年球，退休金會是每月是多559鎂；而在改革之後，幅度上升至每月800鎂。

Also, the pre-1965 pension benefit amount (which is paid to players who were
in the league before the pension plan was established) increased from $300 to$400 per month per year of service.
此外，那些在退休金制度還沒建立前就退休的球員，每打一年球，每月退休金增加幅度也從300鎂提高到400鎂。

On average, former players are now earning an additional $300 per month,
according to Scott Rochelle, the President and CEO of the NBRPA.
根據NBA退休球員協會總裁Scott Rochelle表示，那些球員平均每月可以多拿300鎂。

Players can start receiving payments as early as 45 years old, but the
payments are reduced since they’ll be receiving the payments over a longer
period of time. Players are encouraged to hold off on receiving payments
until they’re age-62 (if possible) in order to receive the highest-possible
payments.
球員可以從45歲就開始拿退休金，但是金額會比較少，因為他們會領的比較久。球員被鼓勵若是可能的話，可以等到62歲再開始領，會領到最高的金額。

A 62-year-old who played 10 or more years in the NBA will earn over $215,000
annually from his pension. For comparison, “a 10-year NFL veteran who
retired prior to 1993 receives [a pension] of approximately $30,000-40,000 a
year, pretax, at age 55,” according to the San Francisco Chronicle. (The
minimum that a retired NBA player will receive at age-62 is $56,988 annually,and that’s just for someone with three years of service).
若是一個在NBA打過10年以上的球員，62歲的時後每年可以拿到21萬5000鎂的退休金。相比一位NFL的老將打了10年，若在1993年前就退休，在他55歲的時候，他每年的退休金只有約3萬到4萬鎂(稅前)。NBA退休球員，若是只有三年年資，在62歲時，最低的退休金也有5萬6988鎂。

Making these improvements to the pension program required an additional $33
million annually in funding – a cost that the NBA and the current players
agreed to split equally.
要為這退休金制度作改變需要每年額外3300萬鎂的資金--聯盟跟現在打球的球員同意平均分擔。

“The overall response that we received was great appreciation, relief and a
sense of confidence that the retired players were being taken care of and
still part of this family,” Rochelle said.
「目前收到的反應都是很感謝，鬆了口氣，也有了對退休球員有照顧的信心感，他們還是NBA的大家庭一份子，」Rochelle說。

“It’s great to see that today’s players recognize how important it is to
give back to these retired players in a major way,” said Caron Butler, who’
s on the NBRPA’s Board of Directors. “I think it’s special. The retired
players are happy because you sacrifice your body and give everything to thisgame, so to be appreciated on the back end speaks volumes. We’re so grateful
to play for a league like the NBA that understands the importance of taking
care of us and our families. Once you’re part of this fraternity, it’s a
lifetime thing.”
「看到現在的球員體認到要回饋那些已經退休球員有多重要這件事很讓人開心，」CaronButler說，他目前是NBA退休球員協會委員之一。「我認為那很特別，這些退休的球員很開心，因為他們過去犧牲了身體把一切都給了籃球，所以退休後仍被重視有著重要的意義。我們對於在一個了解到照顧球員，把他們當作家人的聯盟裡打球覺得很感激。只要曾經是這團體的一分子，終身都是這團體的人。」
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