In a surprising revelation that could impact the Chicago Bears’ decision-making, veteran NFL reporter Brad Biggs disclosed that head coach Matt Eberflus is under a five-year contract with the team — not the previously assumed four-year deal. If the Bears choose to part ways with Eberflus at the end of the season, they could face the financial burden of two full years of salary owed to the head coach. This insight raises significant questions about the team’s next steps, particularly given the organization’s historically conservative approach to paying coaches not to coach.
The potential payout scenario underscores the complexities facing the Bears’ front office. As the team heads toward another disappointing season under Eberflus’ leadership, many fans and analysts have been calling for a change at the top. The Bears have struggled in recent years, and Eberflus’ tenure has done little to reverse the franchise’s fortunes. Currently in his second year, Eberflus holds a record well below .500, sparking widespread debate about his future.
### Financial Considerations in Firing Eberflus
Eberflus’ contract details bring new perspective to discussions about his job security. If the Bears decide to move on, they would still owe him for the remaining two years of his five-year contract. This could amount to millions in dead money on the books, a financial hit the Bears have traditionally avoided. Historically, the Bears organization has been hesitant to make costly personnel moves, particularly when it involves paying for a coach no longer on the sidelines.
For perspective, the Bears have not typically paid head coaches to leave; instead, they have favored riding out contracts or waiting until terms expire. However, Biggs’ report suggests that firing Eberflus would break from this precedent, and such a decision could have consequences for the organization’s budget, especially if they seek a high-profile replacement. Balancing the financial implications of moving on from Eberflus could play a crucial role in whether ownership decides to give him another season or make a change.
### Eberflus’ Tenure and Performance Struggles
Eberflus was hired by the Bears in 2022, following a successful tenure as the Indianapolis Colts’ defensive coordinator. He was expected to bring a fresh defensive mindset and rejuvenate a Bears defense that had underperformed. However, his transition from coordinator to head coach has not gone as planned, as the Bears have struggled on both sides of the ball under his leadership.
Many analysts have pointed to a lack of development in young players, as well as a failure to establish an identity or winning culture, as factors contributing to the Bears’ poor record. The franchise hoped Eberflus would bring discipline and structure, yet the Bears remain one of the league’s most inconsistent teams. The recent addition of quarterback Justin Fields has been another point of scrutiny, with questions about Eberflus’ handling of Fields’ development and the offensive play-calling dynamics. Despite flashes of potential, Fields and the offense have yet to reach their full potential, leading to a chorus of criticism aimed at Eberflus and his coaching staff.
### Bears Ownership and Decision-Making
Historically, the Bears’ ownership, led by the McCaskey family, has favored stability and has avoided hasty decisions when it comes to firing coaches. They tend to weigh financial and operational stability heavily in their decision-making process. The news of a two-year payout obligation could weigh heavily in these considerations. Some have argued that the Bears’ reluctance to make swift changes has been part of why the franchise has struggled to regain its once-dominant status in the league.
The McCaskeys, who are known for being conservative in financial matters, will need to decide if parting ways with Eberflus is worth the cost. Moving forward with a new coaching hire would likely require a significant financial commitment not only for Eberflus’ contract payout but also to attract a seasoned, high-quality head coach to Chicago. Additionally, hiring a new head coach often requires a buy-in on their preferred systems, players, and coaching staff, meaning further financial investments down the line.
### Fans and Analysts Weigh In
The news of Eberflus’ contract duration has sparked extensive debate among Bears fans and NFL analysts. Many believe that Eberflus, despite his efforts, is not the right fit for Chicago’s future. They argue that his defensive mindset may not align with the franchise’s need to build around Fields and an offense-focused game plan. Furthermore, a fresh approach, possibly with a more innovative, offensive-minded coach, could reinvigorate the team and finally address its long-standing issues.
Yet, others argue that a two-year payout is too steep for a team that has struggled financially to reach its competitive potential. Some fans have expressed concerns that if the Bears choose to fire Eberflus, the financial constraints might impact their ability to pay top-tier free agents or make crucial roster improvements. Additionally, a change in head coach could disrupt the team’s development trajectory, particularly for Fields, who would need to adapt to a new system yet again.
### What’s Next for the Bears?
As the Bears season unfolds, the team’s performance over the coming weeks could ultimately determine Eberflus’ fate. If the Bears manage to show progress and end the season on a stronger note, the front office might justify keeping Eberflus on for another year, with the hope of avoiding a hefty payout and giving him one last shot to turn things around. Conversely, if the season ends in continued disappointment, the Bears’ ownership may decide that cutting their losses now is worth the financial hit.
Brad Biggs’ report has undoubtedly added a new layer of intrigue to the ongoing discussions around Eberflus’ future in Chicago. The next few weeks could prove pivotal, as ownership assesses whether the financial risk is justified by the need for change.

