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.

by John Darer® CLU ChFC MSSC CeFT RSP CLTC

New York State's income tax brackets for the 2025 tax year (filed in 2026) have not yet been finalized as of August 18, 2025. Historically, New York adjusts tax brackets annually for inflation, maintaining a progressive structure with nine brackets ranging from 4% to 10.9%, consistent with previous years. The 2024 tax brackets (filed in 2025) provide the most recent confirmed rates and serve as a reference for any anticipated changes in 2025. Additional taxes, such as those for New York City and Yonkers, and other relevant details will also be clarified.

 

  Single Tax Filers

Taxable Income Range
Tax Rate
$0 – $8,500
4%
$8,501 – $11,700
4.5%
$11,701 – $13,900
5.25%
$13,901 – $80,650
5.5%
$80,651 – $215,400
6%
$215,401 – $323,200
6.85%
$323,201 – $2,155,350
9.65%
$2,155,351 – $5,000,000
10.3%
Over $5,000,001
10.9%

Married Filing Taxes Jointly or Qualifying Surviving Spouse

Taxable Income Range
Tax Rate
$0 – $17,150
4%
$17,151 – $23,600
4.5%
$23,601 – $27,900
5.25%
$27,901 – $161,550
5.5%
$161,551 – $323,200
6%
$323,201 – $2,155,350
6.85%
$2,155,351 – $5,000,000
9.65%
$5,000,001 – $25,000,000
10.3%
Over $25,000,001
10.9%

Official Release: The New York State Department of Taxation and Finance typically issues updated tax tables and brackets in late 2025 or early 2026. Visit www.tax.ny.gov  for the most recent information.

Tax increases increase the intrinsic value of non qualified structured settlements as a tool for resolution of employment cases

Employment claims include, but are not limited to, wrongful termination, sexual harassment, failure to promote, qui tam. In addition divorce, structured attorney fees and other settlements which where a non qualified assignment may be used.

New York based celebrities, athletes, actors and actresses may have more incentive to structure their endorsement fees.

Other factors which should stimulate use of non qualified assignments are:

  • Inevitable federal tax increases
  • Proposed end to sliding scale attorney fees in medical malpractice cases in New York, if enacted.

Last updated August 18, 2025

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