The problem is if you recruit a guy with a history of multiple ACL recos and he does it again and cannot play again, I don’t think the AFL will allow you to terminate and payout outside the cap. Both are medical problems.Medical retirement is a valid reason and is outside the cap
Mental health problems are medical problems
So outside the cap
This should be the same for all players and all clubs rather than up to the AFL
If you recruit a player over 25 he will have some medical injury it is the nature of a contact sport
An attempt by a club to get around the rules by claiming mental health can easily disproved.
To retire on these grounds medical reports by specialists would be necessary
If work cover/ insurance is involved mandatory