Total Pro Sports
Social media detectives think they’ve uncovered a hidden motive behind Philip Rivers’ decision to return to football.
In a stunning development, news broke on Monday that the Indianapolis Colts were working out Philip Rivers. This, even though the Los Angeles Chargers legend hasn’t played an NFL snap since January 2021.
Rivers was officially signed to Indy’s practice squad and was named their starting quarterback for Sunday’s pivotal road game against the Seattle Seahawks. Starting QB Daniel Jones is done for the season after suffering a torn Achilles against the Jacksonville Jaguars.
But some folks are convinced that it’s not money or a Super Bowl that fueled Philip Rivers’ return to the NFL. Instead, they think he’s returning to renew his post-playing career insurance, which expires five years after a player’s retirement.
No coincidence that Philip Rivers goes back to the NFL right before his health insurance clock runs out.
When you have a 20 person deep roster at home you gotta do what you gotta do before the 5 year clock is up post playing.
Now the clock resets.
200 IQ pic.twitter.com/PHhXNy9Hqu
— Kurt Benkert (@KurtBenkert) December 13, 2025
Jeff Mueller added this interesting tidbit:
Philip Rivers’ children qualify as “eligible dependents” and are covered through the NFL Player Insurance Plan based on the rules via NFLPA and CBA.
Medical, Dental, and Vision.
Likely anywhere from $4,500-5,500 per month for 10 kids.
Holy smokes, genius move. https://t.co/p8tyRM9lN4— Jeff Mueller, PT, DPT (@jmthrivept) December 14, 2025
“Philip Rivers is actually genius though,” added Chase Daniel.
Philip Rivers is actually genius though…😂 https://t.co/1L0vW2LX70 pic.twitter.com/35WwVi0XaU
— Chase Daniel (@ChaseDaniel) December 14, 2025
The 8-5 Colts desperately need a win against the 10-3 Seahawks on Sunday. Will the 44-year-old Rivers perform an early holiday miracle on the road? Stay tuned.
After 16 seasons with the Chargers, Rivers entered free agency in 2020 and signed with the Colts. He reunited with an old friend in Frank Reich, who was previously his offensive coordinator with the Bolts.
Rivers threw for 4,169 yards and 24 touchdowns in the 2020 campaign, per Pro Football Reference. Indianapolis finished 11-5 and fell to theRivers threw for 4,169 yards and 24 touchdowns in the 2020 campaign, per Pro Football Reference. Indianapolis finished 11-5 and fell to the Buffalo Bills in the Wild Card Round.
Fast forward to 2025. Indianapolis is desperate and hoping that Rivers can provide any form of a spark as they try to end a five-year playoff drought.
