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: Bayshore Structured Settlements
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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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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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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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Pre-funding a structured settlement can expedite the closing process and safeguard favorable rates in fluctuating interest environments, benefiting all parties involved. Insurance companies often issue pre-fund refund letters, minimizing risks for defendants. This approach is particularly useful in complex court systems like New York, ensuring timely funding of settlements.
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NY personal injury lawyers should bring in a credentialed financial settlement expert, experienced with CPLR 50A and/or 50B structured judgments and caluclations, as early as possible to help them and the clients analyze their options, document their file and make the best fully informed decisions
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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.