Rules question/Pass simmulation

[Steel Town Tough]

If the wr/rb goes past the ball/magnet without touching it,at what point is it an incomplete pass.I am coming from a defensive standpoint.If the nearest db trailing contacts the ball after the wr/rb passes it up is this considered an int.?You could say the ball was underthrown like it happens in the real game.Do you guys give other defenders pursuing a chance to intercept it also.I am thinking no.because the ball would be dead by now in the real game.Any help would be appreciated..thanks STT