Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Can You Cash in or Factor a Canadian Structured Settlement?

by John Darer CLU ChFC MSSC CeFT RSP CLTC

Canadian citizens with Canadian Structured Settlements Have Less Freedom than American Counterparts with American Structured Settlements

Canada structured settlement law

Loony is slang for Canadian dollar (see image on coin) Loony is like calling a USD a buck.

Once the structured settlement has been put into place, it can't be modified in any way. This is required by Canada Revenue Agency in order for structure payments to be tax free. You have the irrevocable right to receive the payments as they fall due, according to McKellar.

IT365R2 ARCHIVED – Damages, settlements, and similar receipts – Canada.ca

McKellar goes on to observe that "While your structured settlement cannot be used as security for a loan, they can provide you with a letter confirming your structure payments if you are seeking a loan from a bank or other financial institution".

Canada does not have the equivalent of IRC 5891 Sec. 5891. Structured Settlement Factoring Transactions (bloombergtax.com) , or

Structured Settlement Protection Acts (SSPAs) in operation in all 50 U.S. states and the District of Columbia. Structured Settlement Protection Acts (4structures.com)

 

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