by Structured Settlement Watchdog
According to the vacuous explanation of Atlanta Georgia’s Silver Dollar Financial, “If you were listed to receive 
the structured settlement, you can inherit it after the death of the original owner. Structured settlements are inheritable so long as there is a will or other legal provision that allows you to take ownership of it”.
Silver Dollar Financial has no demonstrable understanding of the fundamentals based on their poor articulation as John Darer Reviews immediately below.
Six Ways Silver Dollar Financial is “Fupped Duck” on Structured Settlement Inheritance
“Listed to receive the structured settlement-listed where, exactly?
Does Silver Dollar Financial expect you to believe that if Mama left a list on a crinkled foodstained notepad thumbtacked to a kitchen corkboard, anis going to treat it as binding?
Something like:
1. Eggs,
2. a loaf of bread,
3. Crisco
4. If I slip on that banana peel, the structured settlement payments go to my three3 sons Barney, Beavis and Tetris”.
… isn’t going to cut it.
2. Beneficiaries must be formally designated-not scribbled on a grocery list
To inherit structured settlement payments, you must be named as a beneficiary or contingent beneficiary by the payee and that designation must be recorded with the insurance company before the payee dies.
3. These requirements are set at the time of settlement
Beneficiary designations are part of the negotiated settlement agreement. They must be in writing, in proper form, and accepted by the insurer. No kitchen‑corkboard amendments allowed.
4. The “original owner” of a structured settlement annuity is not the payee
The owner is the qualified assignment company, not the injured party. See: How Structured Settlements Work | Structured Settlements Explained (4structures.com).
5. The payee’s death does not change annuity ownership
The qualified assignment company remains the owner. The payee’s death only affects who receives the payments, not who owns the annuity.
6. Naming beneficiaries avoids unnecessary estate delays and fees
If payments pass through the estate, the executor or administrator can charge a fee. Some states also impose fees based on total estate value. A proper beneficiary designation keeps payments flowing without detours or toll booths.
Advocating the Clearest Path to Accurate Structured Settlement Information
Part of my mission as the Structured Settlement Watchdog® is to give consumers the clearest, most accurate information possible. Misinformation helps no one — except the companies hoping consumers won’t know the difference.
Hopefully Silver Dollar Financial founder Wil Foy can elevate his company’s understanding. After four years in business, “no excuses” seems fair. Consumers deserve better than inaccurate, oversimplified explanations about structured settlement inheritance.
Hopefully Silver Dollar Financial founder Wil Foy can up his company’s game. No excuses after 4 years in business. Foy’s structured settlement factoring company has been in business since 2019 according to the Better Business Bureau records. It serves nobody to have inaccurate information about structured settlements facing consumers.
Inaccurate explanations about structured settlement inheritance don’t just confuse consumers — they create real financial risk. After four years in business, Silver Dollar Financial should know the basics. Until they do, I’ll keep doing what I’ve always done: giving consumers and attorneys the clear, accurate information they deserve.
Accurate information About Structured Settlement Beneficiaries and Inheriting Structured Settlements for Consumers and Attorneys
How to Name a Beneficiary on a Structured Settlement Annuity (4structures.com)
Structured Settlement Death Claim | What You Need to Know 2026 (4structures.com)
Inherited a Structured Settlement? (4structures.com)
Structured Settlement Beneficiary Designations (4structures.com)
Last updated January 15, 2026