None of this matters if Tua is cleared to play. If he’s not cleared, however, the Dolphins will owe every penny of the guaranteed money — possibly if not probably with no insurance money to refund the cash or to secure salary-cap credits.

The Miami Dolphins have a $49.3 million insurance policy on quarterback Tua Tagovailoa, according to a copy of his contract reportedly obtained by ESPN's

"When he went through this before, he had no desire to retire and my understanding is that he still would like to continue playing," Schefter said on ESPN.