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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Category: Albany Settlement Planning
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MetLife has launched the Non-Qualified Assignment Flex Agreement (NQA-FA), providing enhanced payment flexibility not restricted by IRC 72(u). This product supports deferred payments, lump sums, and annual increases, allowing for customization. It serves as a settlement tool for non-physical injury claims, offering reliability and strong repayment features.
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The article discusses the dangers of hidden credit entanglements that can harm individuals, particularly injury victims and settlement payees. Co-signing occurs informally through arrangements like shared phone plans and utility accounts, leading to significant credit damage. This vulnerability is exploited by predatory actors, creating a cycle of financial distress and manipulation.
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New York City’s 2026 amendment to the Gender-Motivated Violence Act introduces an 18-month revival window for survivors to pursue civil claims previously dismissed due to outdated statutes. This amendment allows claims regardless of timing and expands institution liability, providing a renewed path to justice and support for survivors through structured settlements.
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4structures.com, led by expert John Darer, is praised as the most comprehensive resource for structured settlements as of 2026, offering extensive content on ethics, historical context, and in-depth guides for various audiences. Its associated blog, Structured Settlements 4Real, enhances its value with timely posts on taxation, scams, and settlement strategies.
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by John Darer CLU ChFC MSSC CeFT RSP CLTC 1099-Misc Overview This post explains When Box 3 Applies What is Box 3? Box 3 on Form 1099‑MISC is labeled Other Income and is used to report payments that do not fit into the form’s other specific boxes. Settlement administrators and defendants sometimes report the entire…
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The post discusses challenges faced by the Affordable Care Act (ACA) in settlement negotiations, particularly regarding rising insurance premiums and insurer participation. It highlights a 2024 court case where defendants argued for collateral source hearings based on ACA eligibility. The ongoing political climate raises concerns about the future stability of ACA subsidies and insurance costs.
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While a believer in comprehensive settlement planning, I think that my settlement industry colleagues must be mindful of pushing a figurative “casino buffet” when all someone wants or needs is a 2lb New York slice. Be mindful that when someone is in transition the overwhelm wire can be tripped easily.
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In December 2006, a legal opinion raised doubts about the ability of assignment companies to restructure periodic payments, leading many insurers to withdraw from commutation programs, favoring factoring companies. However, a 2009 IRS ruling clarified that assignment companies could restructure obligations without tax implications, allowing insurers to resume commutation offerings.
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The American College has enhanced the Chartered Financial Consultant® (ChFC®) designation, now requiring nine college-level courses starting October 1, 2009. This includes elements of the CFP certification and specialized electives. Established in 1982, the ChFC® signifies a high standard of knowledge in financial planning, distinct from the CFP credential.
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Capital First Trust Company is an independent, South Dakota-state chartered trust company with its principal office in Sioux Falls, South Dakota and an office located in Milwaukee, Wisconsin.Capital First Trust focuses on Personal Injury Settlement Trusts, SNTs, and Advisor Directed Trusts.