PHILADELPHIA (AP) — More than 200 former players or their families have opted out of the proposed settlement of NFL concussion claims, fewer than 1 percent of the retirees covered by the deal, according to court documents filed Monday. Retired players who opted out of the proposed class-action settlement have the option of suing the NFL individually, but they presumably would have to show their brain injuries resulted fromconcussions suffered while they were playing for the league. The NFL has agreed to pay at least $765 million, and more if needed, to address claims the NFL hid known concussion risks for years.