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. Superstar Fashion Wholesale . "It was nerve-wracking, but we pulled through," said Collaros, who threw four touchdown passes to lead the Toronto Argonauts (8-4) to a 33-27 win over the Calgary Stampeders (9-3) in front of 28,781 fans at McMahon Stadium. Adidas Superstar Discount . Speaking to the Chicago Tribune at baseballs Winter Meetings in Lake Buena Vista, Florida, Boras called the former home of the Expos a "tremendous environment" for baseball. http://www.superstarukdiscount.com/ . Irving scored 23 points, Tristan Thompson had 20 points and 10 rebounds and the Cavaliers beat the Denver Nuggets 117-109 on Friday night. Cheap Adidas Superstar Trainers UK . Cote was eligible to become a free agent Feb. 15. Cote helped running back Jon Cornish run for a league-high 1,813 rushing yards en route to being named the leagues most outstanding player. Adidas Superstar Sale Uk . The judges scored it 48-47, 48-47, 49-46 for Jones (19-1). It was the champions closest call. Despite the loss, it was a remarkable show by the confident Swedish challenger, who had the best of the early rounds and then hung on in the fourth and fifth.SAN FRANCISCO -- Toronto shortstop Jose Reyes is eager to get to extended spring training soon and start playing in games to test his sprained left ankle. On the 60-day disabled list with an injury that is expected to take three months to heal, Reyes is doing more each day with the hopes of beginning a rehab assignment in a couple of weeks. Manager John Gibbons believes that timeline is feasible as long as Reyes continues progressing the way he has been lately. "Its coming along. Some stuff is a little bit shaky still," Reyes said Tuesday. "No setbacks. The ankles getting stronger every day. Its not that far away." He now has a brace he plans to wear for the remainder of his career to stabilize the troublesome ankle. He doesnt believe it will affect his speed on the basepaths or ability to move in the field. "Im still going to have my stuff. Im very confident in myself that Im going to come back stronger," he said. "I feel that if Im not 100 per cent, but if I feel like I can help this club at 85-90 per cent, Im going to be on the field." Reyes has been swinging the bat for about a week and worked on cutting Tuesday at AT&T Park. He said he still must be successful running the bases on back-to-back days and going side to side to field groundballs and turn double plays before he ready to begin games. "Probably in a couple of weeks I would think," Gibbons said of Reyes beginning a rehab assignment. "Hes moving around now, hes doing all the agility stuff. Hes moving good, but theres still a little limp in there. You can notice it a little bit. We want to make sure hes good and ready." Reyes was injured sliding into second base in an April 12 game at Kansas City. Each day, he evaluates how he is feeling and how much to push himself while listening to the plan in place from the training staff.dddddddddddd Reyes, who turns 30 on June 11, is further along in his recovery than he expected. "Quicker than I thought, its not even two months," he said. "It was a bad ankle sprain." Acquired from Miami in a 12-player trade last November, the four-time All-Star is batting .395 with one home run and five RBIs. He hopes to be able to help the Blue Jays immediately once back later in the summer. "Reyes is one of the premier players in the league. You could see in the first couple of weeks he was doing everything," Gibbons said. "It wasnt easy (to lose him). Weve adjusted since hes been gone and those other guys have done a solid job, but we still look forward to getting him back, thats for sure." Also Tuesday, an MRI on injured pitcher Ramon Ortizs right elbow showed no significant damage. The 40-year-old Ortiz, 1-2 with a 6.04 ERA, left Sundays game in tears in San Diego after straining his pitching elbow and went on the disabled list. "Its a fragile business," Gibbons said. "Youve got to be healthy to play it." The Blue Jays are cheering for Ortiz to get back on a mound and, eventually, finish his career on his own terms -- rather than being forced out by an injury. "Pretty good news, no tear from what they saw yet. Theres still swelling in there," Gibbons said. "Once the swellings out theyll re-examine it and see where hes at. Great news. It shocked me, quick healer. Hes still in a lot of pain. Hes been around a long time and hes been healthy. Hes never experienced anything like this as far as I know. Hopefully its something that he can heal from." ' ' '