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.

Category: Allentown Structured Settlements

Did You Receive an IRS Form 1099-MISC for Structured Settlement Payments You Thought Were Tax-Free?

February 13, 2026

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…
Legal Malpractice v Anapol Weiss Re 1986 ELNY Structured Settlement Settled With a Tax Twist

April 15, 2023

The settlement is “in lieu” of plaintiff’s human capital lost in the 1981 plane crash. The Yerkes settlement is intended to be a 1-to-1 replacement of damages awarded to Plaintiff in his original suit alleging physical injury, staying faithful to the principle of “human capital” rationale that emanates from Section 104(a)(2) as instructed by the Supreme…
What is a Structured Settlement Broker? Structured Settlement Broker 2026

March 16, 2019

A structured settlement broker is a licensed and regulated professional who provides professional advice and places structured settlement annuities and may provide fianncial advice and placement of financial vehicles pursuant to professional licenses.
PLR 200918001: IRS Green Light for Structured Settlement Commutations

May 7, 2009

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.
Mastering Settlement Planning: Beyond One-Size-Fits-All Solutions

January 1, 1970

The settlement of a personal injury case raises a number of settlement planning issues, regardless of who you represent. A structured settlement annuity may or may not have a role in the settlement planning solutions.