Did Philip Rivers Just Get Busted for Why He Really Came Back to Sign with the Colts at 44 Years Old?

[Special thanks to David S. Luber (Florida Probate Attorney) for bringing this article to my attention.]

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.

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.

For more information see Alex Hoegler “Did Philip Rivers Just Get Busted for Why He Really Came Back to Sign with the Colts at 44 Years Old?” Total Pro Sports, December 14, 2025.