If the NFL rules he is retiring due to injury, he gets a big payout, the rest of guaranteed money plus part of future earnings. If he retires normally, he gets the balance of the guaranteed $132 million due under his contract. Either way, he gets a lot of money. I’d take the money and run, but most of these guys love playing so much they stick around as long as possible.
I think he gets around $50M more if the doctors clear him and he then retires.