Hockey players dedicate their lives to the game, sacrificing their mental and physical well-being for the love of the sport. The National Hockey League (NHL) recognizes the importance of providing a secure future for its athletes, which is why it offers a comprehensive pension plan.
The NHL pension plan is designed to ensure that players can enjoy their retirement years without financial worries. It provides a range of benefits, including a guaranteed retirement payment, healthcare coverage, and survivor benefits for the families of retired players. This generous plan is funded by the league and contributions from players throughout their careers.
Retirees who have spent their careers in the NHL can rest easy knowing that they will receive a pension that reflects their years of dedication to the sport. The pension fund is carefully managed to ensure its long-term sustainability, providing players with peace of mind as they transition into retirement. Whether players choose to pursue new careers, invest in business opportunities, or simply spend time with their loved ones, the NHL pension plan offers a solid foundation for their financial security.
NHL Pension Overview
The NHL pension plan is designed to ensure retirement security for hockey players after their playing careers come to an end. It provides players with a retirement income that is funded through a combination of player contributions, league contributions and investment gains. The pension fund is managed by a team of professionals who are responsible for investing the contributions and making monthly payments to retirees.
The amount of retirement income that a player receives is determined by a number of factors, including the length of their playing career, their average salary, and the number of years they contributed to the pension plan. Players are eligible to begin receiving pension payments once they reach a certain age and have retired from professional hockey.
The NHL pension plan is a defined benefit plan, which means that the amount of the retirement benefit is guaranteed and based on a formula that takes into account the player’s years of service and earnings. This provides players with a level of certainty and security in their retirement income.
In addition to the pension plan, the NHL also offers other retirement benefits to players, such as health insurance coverage and disability benefits. These benefits are designed to provide players with additional financial support and protection in the event of injury or illness.
The NHL pension plan is an important aspect of the league’s commitment to supporting its players both during and after their playing careers. By providing a secure and reliable source of retirement income, the NHL helps ensure that players can enjoy a comfortable and financially secure retirement.
|– The NHL pension plan provides retirement income for players.
|– Funding for the pension plan comes from player and league contributions.
|– The pension fund is managed by professionals who make monthly payments to retirees.
|– Retirement income is determined by factors such as playing career, salary, and years of contribution.
|– The NHL pension plan is a defined benefit plan, offering a guaranteed retirement benefit.
What is the NHL Pension?
The NHL Pension is a retirement plan designed to provide financial benefits for NHL players and retirees. It ensures that players have a secure income source during their retirement years and can enjoy a comfortable lifestyle after their professional hockey careers.
The NHL Pension plan is structured to receive contributions from both the league and the players. Throughout a player’s career, a certain portion of their salary is set aside to fund their pension. The league also contributes to the players’ pension fund, which helps to ensure sufficient funds for retirement.
Upon retirement, NHL players are eligible to receive pension payments based on their years of service in the league. The amount of the pension payment is determined by a formula that takes into account various factors, including the player’s salary history and the number of seasons played.
The NHL Pension plan offers a range of benefits to retired players, including access to healthcare and disability benefits. The pension allows retirees to maintain their quality of life and access necessary medical services without worrying about financial burdens.
The NHL Pension provides retirement security for hockey players by ensuring they have a stable source of income in their post-playing years. This financial stability allows retired players to focus on enjoying their retirement and pursuing other interests without worrying about financial constraints.
Retirees can rely on the NHL Pension to provide a steady stream of income throughout their retirement. This income can help cover living expenses, healthcare costs, and other financial needs that may arise in retirement. The pension acts as a safety net, offering peace of mind and allowing retirees to maintain a comfortable lifestyle.
Benefits for Players
The NHL Pension offers numerous benefits to players throughout their careers. In addition to ensuring a secure retirement, the pension also provides disability benefits in the event of a career-ending injury. This helps protect players’ financial well-being and ensures they have access to necessary medical care and support.
The NHL Pension plan also offers a survivor benefit, which provides financial support to the family of a player who passes away during their career or after retirement. This benefit helps to ease the financial burden on the player’s loved ones and provides additional security for their future.
Overall, the NHL Pension is an essential component of the league’s commitment to supporting its players both during and after their playing careers. It helps ensure that hockey players can enjoy a secure and comfortable retirement, knowing that their financial needs are taken care of.
Benefits of the NHL Pension
The NHL pension plan is designed to provide retirement security for hockey players who have devoted their careers to the sport. This plan offers various benefits that ensure a stable and comfortable retirement for NHL players.
Guaranteed Retirement Payments
One of the main advantages of the NHL pension plan is the guaranteed retirement payments. As a player contributes to the pension fund throughout their career, they are entitled to receive regular pension payments after retirement. These payments provide a reliable source of income for the retiree, ensuring financial stability during their retirement years.
The NHL pension plan also offers flexibility when it comes to accessing retirement funds. Players have the option to receive their pension payments in different ways, such as a lump sum, annuity, or a combination of both. This flexibility allows retirees to choose the payment method that best suits their individual financial needs and goals.
Furthermore, the NHL pension plan provides additional benefits, such as disability and survivor benefits. In the unfortunate event of a player becoming disabled, the pension plan offers disability benefits to support them financially during their impairment. Similarly, in the event of a player’s death, the plan provides survivor benefits to their spouse or designated beneficiary.
In conclusion, the NHL pension plan offers NHL players a secure and reliable retirement option. With guaranteed retirement payments and flexible options, players can have peace of mind knowing that their years of dedication to the sport are rewarded with financial stability and a comfortable retirement.
To be eligible to participate in the NHL pension plan, players must meet certain criteria and fulfill specific requirements. These requirements ensure that the pension fund can effectively support retired players and provide them with retirement security.
- Membership in the NHL: Players must have played at least 160 games in the NHL or have played in the NHL for at least three seasons, with a minimum of 30 games played in each season.
- Age Requirement: Players must be at least 45 years old to be eligible for pension benefits.
- Vesting Period: Players must complete a vesting period of three years. This means that they must be active NHL players for at least three seasons to become vested in the pension plan.
- Retired Status: Players must be officially retired from professional hockey and not currently playing in any professional league.
Once a player meets these eligibility requirements, they become eligible to receive pension benefits from the NHL pension plan. The benefits are provided in the form of regular payments to retired players, helping to ensure their financial security during their retirement years.
Contribution and Vesting Schedule
The NHL pension plan ensures that retired players receive the retirement benefits they deserve. This is made possible through a contribution and vesting schedule that outlines how the pension fund is funded and the criteria players must meet to receive their benefits.
Contributions to the NHL pension plan come from a combination of sources. The NHL itself makes contributions on behalf of all players in the league, ensuring that every player has the opportunity to benefit from the plan. In addition to the NHL’s contributions, players themselves also make contributions to the fund, which are deducted from their salaries throughout their careers.
The contribution and vesting schedule is designed to ensure that players who have dedicated a significant portion of their career to the NHL are eligible for pension benefits. Players become fully vested in the pension plan after completing three seasons in the NHL. This means that, once vested, they are entitled to receive pension payments upon retirement.
Players who do not complete the minimum three seasons of service are not eligible for pension benefits. However, they may still be eligible for other forms of financial assistance or benefits provided by the NHL or player’s association.
|Years of Service
Once fully vested, retirees can begin receiving pension payments. The amount of the pension benefit is determined by a formula that takes into account the player’s average earnings and length of service in the NHL. The pension payments provide a reliable source of income to retired players, ensuring they can enjoy a secure and comfortable retirement after their hockey careers end.
The contribution and vesting schedule of the NHL pension plan plays a crucial role in providing retirement security for players. It ensures that players who commit to the NHL for a significant period of time are eligible for pension benefits, providing them with a stable source of income in their retirement years.
Ensuring retirement security for NHL players is a top priority for the league. The NHL pension plan is designed to provide financial support to players during their retirement years.
The pension fund is a pool of money that is contributed by both the NHL and the players throughout their careers. The fund is invested to generate returns, which are then used to pay pension benefits to retirees.
Calculating pension benefits
The amount of pension benefits a retiree receives is determined by a formula based on their years of service and average annual salary. The NHL pension plan uses a formula that is standard for most defined benefit pension plans.
The formula takes into account the number of years a player has participated in the NHL pension plan, as well as their average annual salary during their career. The formula may change over time as the pension plan is periodically reviewed and updated.
Once a player meets the eligibility criteria for retirement, they become eligible to receive pension payments. The amount of the payment will be calculated based on the formula and will be paid out on a regular basis, typically monthly.
The NHL pension plan’s role in retirement security
The NHL pension plan plays a critical role in providing retirement security for players. It is designed to ensure that players have a source of income to support themselves in their later years, when they are no longer earning a salary from playing hockey.
By contributing to the pension fund throughout their careers, players are making a financial investment in their future. The pension plan serves as a safety net, providing a guaranteed income stream that players can rely on during retirement.
In addition to the pension benefits, the NHL pension plan also provides other retirement benefits, such as medical coverage and disability benefits. These additional benefits further contribute to the overall retirement security of NHL players.
The NHL pension plan is a vital component of ensuring retirement security for hockey players. Through careful calculation of pension benefits and regular payments, the plan provides players with a stable source of income during retirement. By participating in the plan, players are taking steps to secure their financial future and enjoy a comfortable retirement.
Early Retirement Options
Retirement may seem far off for NHL players who are at the peak of their careers, but it is essential to plan for the future. The NHL pension fund provides payment security for retired players, ensuring they can enjoy their retirement years without financial worries.
However, some players may choose to retire early due to various reasons, such as injuries or personal preferences. The NHL pension plan offers early retirement options for these players, allowing them to access their retirement funds before the normal retirement age.
Early retirement through the NHL pension fund is subject to specific eligibility criteria. Players must meet certain age and service requirements to be eligible for early retirement benefits. These requirements may vary depending on the player’s individual circumstances and the terms of their contract.
Retirees who choose early retirement will receive pension payments based on a formula that considers their years of service, average salary, and other factors. The NHL pension fund aims to provide a sustainable income stream to retired players, ensuring they can maintain their lifestyle and cover their expenses throughout their retirement years.
It’s important for NHL players to consider their options carefully when it comes to retirement planning. Taking advantage of early retirement options can provide financial flexibility and security for players who may choose to retire before their peers. However, it’s crucial to understand the implications and potential impact on long-term retirement income.
Consulting with financial advisors and taking advantage of educational resources offered by the NHL Players’ Association can help players make informed decisions about their early retirement options. By understanding the nuances of the pension plan and retirement benefits, NHL players can ensure a smooth transition into their post-hockey lives and enjoy their well-deserved retirement.
One of the key benefits provided by the NHL Pension Fund is disability benefits for retired players. Retirement from professional sports can be physically demanding, and players risk sustaining career-ending injuries. The NHL Pension Fund offers disability benefits to ensure that these players have financial support in the event of a disability.
The disability benefits provided by the NHL Pension Fund are designed to help retired players maintain their standard of living and cover medical expenses in case they become disabled. The fund offers both short-term and long-term disability benefits, depending on the severity and duration of the disability.
Short-term disability benefits are available to players who are temporarily unable to work due to a disability. These benefits provide financial support for a limited period, typically up to 26 weeks, to help players during their recovery and rehabilitation process.
Long-term disability benefits are available to players who are permanently unable to work due to a disability. These benefits provide ongoing financial support for the remainder of the player’s life or until they reach the normal retirement age defined by the NHL Pension Fund.
|Temporary inability to work
|Permanent inability to work
|Up to 26 weeks
|Until normal retirement age or for life
|Partial income replacement
|Ongoing financial support
The NHL Pension Fund works closely with medical professionals to determine the eligibility and extent of disability for each retiree. The fund considers various factors, such as medical reports, treatment plans, and functional assessments, to ensure that players receive the appropriate disability benefits.
Overall, disability benefits provided by the NHL Pension Fund play a crucial role in ensuring the retirement security of NHL players. By offering financial support in the event of a disability, the fund helps retired players maintain their quality of life and provides them with the necessary resources to navigate life after their hockey careers.
Spousal and Dependent Benefits
As part of the NHL pension fund, the retirement plan offers benefits not only to the retirees themselves, but also to their spouses and dependents. This ensures that the families of NHL players are taken care of even after the player has retired.
The spousal benefits provided by the NHL pension plan aim to provide financial security to the spouse of a retiree. In the event of the retiree’s death, the spouse is eligible to receive a portion of the retiree’s pension. This can help mitigate the financial burden that may arise from the loss of the retiree’s income.
The dependent benefits provided by the NHL pension plan are designed to support the retiree’s dependent children. If a retiree has dependent children under a certain age, they may be eligible to receive benefits from the pension plan. These benefits can help cover the costs of education, healthcare, and other essential needs.
It’s important to note that the specific details and eligibility criteria for spousal and dependent benefits may vary depending on the retiree’s individual circumstances and the rules set by the NHL pension plan.
In conclusion, the NHL pension fund not only provides retirement security for players, but also extends benefits to their spouses and dependents. This ensures that the entire family is supported and taken care of, even after the player has retired from their hockey career.
Just as NHL players and retirees contribute to the NHL pension fund for their retirement, the fund also provides death benefits to the beneficiaries of players who pass away.
Upon the death of an NHL player or retiree, the fund ensures that a payment is made to their designated beneficiaries. This payment can provide financial support to the player’s loved ones during their time of grief and loss.
The death benefits provided by the NHL pension fund are an important aspect of the overall retirement security for players. It ensures that even in the event of a player’s untimely death, their family and loved ones will be taken care of.
These death benefits are a testament to the NHL’s commitment to supporting its players both during their careers and after retirement. By offering this additional financial security, the NHL recognizes the sacrifices and contributions made by players to the sport.
Ultimately, the death benefits provided by the NHL pension fund serve as a form of protection for players and their families. This ensures that their loved ones will have some level of financial support in the event of their passing, helping to ease the burden during a difficult time.
Overall, the NHL pension fund provides a comprehensive retirement package for players, not only including retirement benefits but also death benefits. This demonstrates the league’s dedication to ensuring the long-term security and well-being of its players, both during their careers and beyond.
How to Apply for Pension Benefits
If you are a retired NHL player and eligible for pension benefits, it is important to know how to apply for these benefits. The pension plan is designed to provide financial security for players after they retire from professional hockey. Here are the steps to apply for pension benefits:
1. Gather all necessary documents: As an NHL retiree, you will need to provide proof of your identity, such as a valid passport or driver’s license. You will also need to provide documentation of your playing career, including your NHL player contract, salary information, and any other relevant documents.
2. Contact the NHL Pension Plan: Get in touch with the NHL Pension Plan administrators to request an application form. They will guide you through the application process and provide you with any additional information you may need.
3. Complete the application form: Fill out the application form with accurate and up-to-date information. Make sure to provide all the necessary details and attach any required documents as specified by the pension plan administrators.
4. Submit the application: Once you have completed the application form and gathered all the necessary documents, submit them to the NHL Pension Fund. You can mail it to the designated address or submit it online, depending on the instructions provided to you by the pension plan administrators.
5. Follow up on your application: After submitting your application, it is important to follow up with the NHL Pension Plan to ensure that your application is being processed. Keep track of any correspondence or requests for additional information from the pension plan administrators.
6. Await payment of your pension benefits: Once your application is approved, you will start receiving payments from the NHL Pension Plan according to the schedule and terms outlined in your pension plan. You will typically receive regular payments, which help provide a stable income during your retirement years.
Applying for pension benefits as an NHL retiree is an important step towards ensuring your retirement security. By following these steps and providing the necessary documents, you can access the benefits that you are entitled to and enjoy a financially secure retirement.
Plan Sponsor and Administrator
In order to provide retirement security for NHL players, the NHL Pension Fund was created. The NHL and NHL Players’ Association (NHLPA) established the fund to ensure that players have access to benefits upon retirement.
The NHL is the plan sponsor and administrator of the pension fund. As the plan sponsor, the NHL is responsible for establishing the rules and regulations of the plan, as well as making contributions to the fund on behalf of the players. The NHLPA, on the other hand, represents the players and works with the NHL to negotiate the terms of the pension plan.
The NHL pension fund is a defined benefit plan, which means that retired players receive a set monthly payment based on their years of service and average salary. The fund is funded by contributions from the NHL, as well as a portion of the players’ salary. These contributions are invested and grow over time, allowing the fund to provide a reliable source of income for retirees.
As the plan administrator, the NHL is responsible for managing the day-to-day operations of the pension fund. This includes tracking players’ service and salary information, calculating benefits, and processing retiree payments. The NHL also provides educational resources to help players understand their retirement options and make informed decisions.
Retirement security is crucial for NHL players, given the physical demands of the sport and the relatively short careers. The NHL Pension Fund, with the NHL as the plan sponsor and administrator, plays a vital role in ensuring that players have a stable income in retirement.
When it comes to planning for retirement, the NHL pension benefits for players are an important aspect to consider. The NHL pension fund is designed to provide financial security for retirees, ensuring that they can enjoy their retirement years without financial stress.
The investment strategy for the NHL pension fund is carefully constructed to maximize returns and minimize risk. The fund is invested in a diversified portfolio of assets, including stocks, bonds, real estate, and other investment vehicles. This diversification helps to spread risk and ensure that the fund is not overly reliant on any one investment.
The pension fund is managed by a team of investment professionals who carefully monitor and analyze market trends to make informed investment decisions. They strive to achieve a balance between generating sufficient returns to fund the benefits for retirees and managing risk to ensure the long-term sustainability of the fund.
In addition to diversification, the investment strategy for the NHL pension fund also takes into account factors such as liquidity and cash flow. The fund needs to be able to meet its obligations to retirees, so investments are carefully selected and managed to ensure that there is sufficient cash flow to cover benefit payments.
Overall, the NHL pension fund’s investment strategy is designed to provide a stable and reliable source of income for retirees. By carefully managing the fund’s assets and investments, the NHL ensures that its players can have confidence in their financial security during their retirement years.
Other Retirement Savings Options
In addition to the NHL pension plan, players have the ability to save for retirement through other means. While the pension fund provides a substantial portion of a retiree’s income, it’s always wise to have additional savings to supplement those benefits.
1. Individual Retirement Accounts (IRAs)
One popular option is to open an Individual Retirement Account (IRA). With an IRA, players can contribute a certain amount of money each year and enjoy the benefits of tax-deferred growth. There are two main types of IRAs: traditional and Roth. A traditional IRA allows players to deduct contributions from their taxable income, while a Roth IRA offers tax-free withdrawals in retirement.
2. Employer-Sponsored Retirement Plans
Players who are not covered by a pension plan or who want to augment their retirement savings can consider participating in an employer-sponsored retirement plan, such as a 401(k) or 403(b). These plans allow players to contribute a portion of their earnings on a tax-deferred basis. Many employers also match a percentage of the player’s contributions, which can significantly boost the overall retirement savings.
It’s important for players to understand their retirement options and make informed decisions about how to allocate their resources. A diversified retirement portfolio that includes a combination of pension benefits, individual savings, and employer-sponsored plans can provide players with a secure financial future.
Payment of retirement benefits to NHL players is subject to certain tax considerations. The NHL pension fund provides retirement benefits to eligible players, which are considered taxable income. However, there are certain tax agreements in place to ensure that players are not subject to double taxation.
Under these tax agreements, players are generally taxed in the country where they are a resident when they receive their pension payments. This means that if a retired NHL player resides in Canada, they would be subject to Canadian taxes on their pension benefits. On the other hand, if a retired player resides in the United States, they would be subject to U.S. taxes on their pension benefits.
It’s important for NHL players to understand these tax considerations and plan accordingly for their retirement. Consulting with a tax advisor can help them navigate the complexities of tax laws and ensure that they are compliant with all tax obligations.
|Subject to Canadian taxes
|Subject to U.S. taxes
By taking into account these tax considerations, NHL players can effectively manage their retirement income and avoid potential tax pitfalls. It’s important to stay informed about any changes in tax laws and regulations that may affect the taxation of pension benefits.
In conclusion, understanding the tax implications of the NHL pension fund is crucial for players planning their retirement. By being aware of their tax obligations, players can ensure that they make informed decisions about their financial future and maximize their retirement income.
NHL Pension Plan Updates and Reforms
The NHL pension plan has undergone significant updates and reforms in recent years to better secure the retirement benefits of players and retirees. These changes have been implemented to ensure a sustainable and robust fund for all NHL players.
Increased Payment Contributions
One of the key updates to the NHL pension plan is the increased payment contributions from both the league and the players. This change allows for a higher fund accumulation and ensures that players receive substantial retirement benefits.
Improved Pension Benefits
The updates to the NHL pension plan also include improved pension benefits for players and retirees. With these reforms, the retirement benefits offered by the NHL are more comprehensive and provide a greater level of financial security for players after their careers.
|Increased payment contributions
|Enhanced fund accumulation and better retirement benefits
|Improved pension benefits
|Greater financial security for players and retirees
These updates and reforms to the NHL pension plan highlight the league’s commitment to ensuring the long-term financial well-being of its players. By enhancing the fund and improving retirement benefits, the NHL is providing players with the peace of mind they deserve after dedicating their careers to the sport.
Resources and Additional Information
For NHL players and retirees, it is important to have access to resources and information about their pension and retirement benefits. Here are some key resources that can provide assistance and guidance:
NHL Pension Plan
The NHL Pension Plan is a retirement plan designed specifically for NHL players. It provides a source of income for players once they retire from professional hockey. The plan is funded through a combination of player contributions and league payments, ensuring that players have a secure financial future.
NHL Retiree Association (NHLRA)
The NHLRA is an organization that represents the interests of retired NHL players and provides support and resources to help them navigate their retirement years. They offer various services and benefits to retirees, including access to health insurance, career transition programs, and financial planning assistance.
Pension Fund Management
The NHL Pension Plan is managed by a professional team of investment experts who oversee the fund and ensure its long-term sustainability. These professionals make informed investment decisions to grow the fund and maximize retirement benefits for players.
Retirement Education Programs
Many NHL teams and organizations provide retirement education programs for their players, helping them understand the benefits of the NHL Pension Plan and other retirement resources available to them. These programs aim to empower players to make informed decisions about their financial future.
By utilizing these resources and seeking additional information, NHL players can ensure that they have a secure retirement plan in place, allowing them to enjoy their post-playing years with peace of mind.
Frequently Asked Questions
Q: What is the NHL Pension Plan?
A: The NHL Pension Plan is a retirement benefit provided to NHL players. It is a fund specifically designed to provide financial security for players after they retire from professional hockey.
Q: How does the NHL Pension Plan work?
A: The NHL Pension Plan is a defined benefit plan, meaning that players are entitled to a specific amount of benefits upon retirement. The amount of these benefits is determined by a formula that takes into account a player’s years of service in the league and their average salary during their career.
Q: Are all NHL players eligible for the pension plan?
A: Yes, all NHL players who have completed a minimum of 160 games in the league are eligible to participate in the pension plan.
Q: Can players access their pension benefits immediately upon retirement?
A: No, players are not able to access their pension benefits immediately upon retirement. The NHL Pension Plan has a vesting period, which means that players must wait a certain amount of time before they can start receiving their benefits. The exact length of the vesting period depends on when the player joined the plan.
Q: What happens to a player’s pension if they are traded or sign with a different team?
A: A player’s pension is not affected by being traded or signing with a different team. The benefits they have earned during their time in the league will continue to be paid out to them by the NHL Pension Plan.
Q: Can players change their pension plan contributions?
A: No, players are not able to change their pension plan contributions. The amount of contributions is determined by the NHL and the NHL Players’ Association, and players are required to contribute a certain percentage of their salary to the plan.
Q: What happens if a retiree passes away before receiving their full pension benefits?
A: If a retiree passes away before receiving their full pension benefits, the remaining benefits will be paid out to their designated beneficiary or beneficiaries.
For more information on the NHL Pension Plan and how it works, please visit the official NHL website or contact the NHL Players’ Association.
Question and answer:
What is the NHL Pension Plan?
The NHL Pension Plan is a retirement plan that provides financial security for hockey players after they retire from professional hockey.
How does the NHL Pension Plan work?
The NHL Pension Plan is funded through contributions from the NHL, NHL Players’ Association, and the players themselves. The money is invested to grow over time, and when a player retires, they receive monthly pension payments based on their years of service and salary.
What are the benefits of the NHL Pension Plan?
The NHL Pension Plan provides a secure and stable source of income for retired hockey players. It ensures that players are able to maintain their standard of living in retirement and covers essential expenses such as housing, healthcare, and other living costs.
Are the NHL pension payments enough to support retired hockey players?
The NHL pension payments are designed to provide a significant portion of a retired player’s income, but they may not be enough to cover all expenses. Many players also have additional sources of income, such as investments or post-hockey careers.
Can players access their pension funds before retirement?
No, players cannot access their pension funds before retirement. The funds are meant to provide financial security during retirement and are not available for early withdrawal.
What is the NHL Pension?
The NHL Pension is a retirement plan specifically designed for professional hockey players who have played in the National Hockey League (NHL) or the National Hockey League Players’ Association (NHLPA).