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The bottom line is that the Chiefs really don't have any options that allow them to make a clean break.
Injury settlements are for guys that are permanently injured and really can't play anymore. Schwartz is likely to reach an injury settlement with the team and retire.
The Chiefs cannot cut Eric Fisher - he's hurt. His injury is not chronic nor career-ending so he has no reason to negotiate a settlement. He has all the leverage in his contract situation. All he has to do is play out his contract and the Chiefs are on the hook for his $15M cap hit.
If they want cap relief now, they have to extend him. That's all there is to it.
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