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A former NFL player who suffered what the league deemed a career-ending concussion has sued Lloyds of London for denying a $1 million insurance policy for professional athletes.The lawsuit filed this week in North Carolina could become a test case for insurers dealing with the emerging fallout from sports concussions and head trauma claims.The NFL declared former Carolina Panthers defensive back Haruki Nakamura fully and permanently disabled after the concussion he received in an August 2013 preseason game, and it awarded him monthly benefits.Lloyds medical expert nonetheless ruled, nearly 18 months after the claim was filed, that he could return to play. However, the doctor cautioned Nakamura to consider the probable long-term effects of repetitive concussions before making the decision, according to the suit, filed Monday in Mecklenburg County.Lizzie Lowe, a U.S. spokeswoman for Lloyds, said the insurance consortium doesnt comment on pending litigation.Nakamura, 30, said he suffers from headaches, vision problems, fatigue, depression and suicidal thoughts.He hit the side of his head making a tackle in a game against the Pittsburgh Steelers, and he was diagnosed with a concussion at a hospital. Citing a concussion, the Panthers released him five days later, the lawsuit said. He was later diagnosed with post-concussion syndrome by a sports concussion expert at the University of Pittsburgh.Nakamura had paid $17,000 a year for the Lloyds policy in 2012 and 2013, according to his lawyers, John W. Schryber and Julie L. Hammerman, who specialize in insurance policies for athletes. The policies are recommended for athletes who might not have a guaranteed salary and who can be cut after an injury. The lawyers said they have never had an insurer reject a policy after a doctor or the NFL judged a client to have a career-ending injury. But this is the first concussion claim they have filed under coverage for bodily injuries.And now theyre denying coverage altogether, Schryber said Wednesday. The point of going out and buying private insurance is to have a hedge against all of these other things that are outside of your control.Nakamura could potentially seek an award under the NFLs planned $1 billion court settlement of concussion claims, though its unclear how he might fare. The settlement, which could roll out within the next year, is designed to cover more than 20,000 NFL retirees for the next 65 years. The league estimates that 6,000 former players, or nearly 3 in 10, could develop Alzheimers disease or moderate dementia that some link to concussions.Nakamura, an Ohio native, played for the Baltimore Ravens from 2008 to 2011 before joining the Panthers. He lives with his wife and two children in Mooresville, North Carolina. Mark Pysyk Jersey . The Oilers come in having lost five in a row (0-4-1) and 16 of their last 20 games, dropping a 2-1 decision to the Vancouver Canucks on Tuesday. Jayce Hawryluk Jersey . Both players have lower body injuries that will keep them out of the lineup until at least January 31, which is the first game they can be activated from IR. https://www.panthersjerseycheap.com/698f-olli-jokinen-jersey-panthers.html . Marincin has played in two NHL games so far this season with two penalty minutes. The 21-year-old has three goals, four assists and a plus-5 rating in 24 games with the American Hockey Leagues Oklahoma City Barons this season. Erik Gudbranson Jersey . Rob Manfred, baseballs chief operating officer, testified last week during the grievance filed by the players union to overturn Rodriguezs 211-game suspension. A person familiar with the hearing, speaking on condition of anonymity, told The Associated Press on Saturday that Manfred testified the sport wasnt concerned whether Bosch distributed performance-enhancing drugs to minors because MLBs interest was his relationship with players under investigation. Wayne Huizenga Jersey .J. -- Pitcher Carl Pavano is retiring after 14 major league seasons. Will the Raptors return to the conference finals this year? What trades should they make?Our NBA Insiders preview Torontos 2016-17 season. ' ' '