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.
Structured Settlement Payments Exempt In Bankruptcy Says Minnesota Court

Structured Settlement Payments Exempt In Bankruptcy Says Minnesota Court

United States Bankruptcy Court by John Darer CLU ChFC MSSC CeFT RSP CLTC

A Minnesota bankruptcy judge overruled a bankruptcy trustee and found that future payments from the structured settlement were, in fact, payment and compensation for the bankruptcy debtor's loss of future earnings.

11 U.S.C. § 522(d)(11)(E) provides an exemption for “a payment in compensation of loss of future earnings…".  See In re Meyer, 2010 WL3369375 (Bankr. D. Minn. 8/25/10) (O’Brien, J.)

Bankruptcy debtor Lynne Meyer is receiving her structured settlement as part of the resolution of an auto accident case over two decades ago.

Other recent bankruptcy cases where the Court ruled favorably with an exemption for the structured settlement annuitant include the New York case of Swimlear v. Baker, 2009 WL 3644336

 

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