by John Darer ® CLU ChFC MSSC CeFT RSP CLTC
Nearly 50% of older Americans depend on Social Security for at least 50%-89.9% of their income, according to Retirement Income Journal which cites the April 29, 2014 AARP and the U.S.Census Bureau and draws from a statistical sample of over 42,000. Moreover, 23.6% rely on Social Security for 90-99.9% of their income and 14.3% rely on Social Security for 100% of their income.
Fear of Running Out is Greatest Fear | “FORO”
A decade ago a MetLife Employee benefits study found that 48% of employees rank “outliving their savings” or Fear of Running Out (FORO) as their greatest retirement fear. A January 30,2008 -February 2,2008 Gallup poll revealed that such concerns are not limited to “older people”. The Gallup poll also revealed that over 40% of 18-29 year olds and 53% of 30-64 year olds having these concerns.
Why Structured Settlements? Because Certain Sells®
Structured settlements provide safety, security and contractual guarantees that are attractive as stable income solutions for people of all ages. Most people would like a “job” they can never be “fired” from, and income they can count on.
For more information see Structured Settlements for Seniors 2026 | Settlement Planning (4structures.com)
Other options exist for those seeking stable income solutions who do not qualify for structured settlements
Give me a call to chat about them if you’d like. Toll-free 888-325-8640
Last updated May 29, 2026
Because Certain Sells® is a registered trademark of 4structures.com, LLC (USPTO Reg.6237309)