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: Detroit Michigan Structured Settlements
Detroit Michigan structured settlements ommentary by structured settlement expert John Darer that may be of interest to injured persons, guardians, consumers, lawyers, businesses in Detroit with personal injury or wrongful death claims
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IRC 130(c) is a definition of what a qualified assignment IS, in the context of what a qualified assignment DOES from a tax standpoint. IRC 130(c) and the other parts of IRC 130 are not mutually exclusive. Potentially huge tax consequences to attorneys deferring with factored structured settlements.
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Having a stable income stream as a financial foundation going into a marriage is a good thing. Destroying a tax-free structured settlement income stream for pennies on the dollar to pay for a wedding is not a sound financial move, one that will leave you on bad financial footing.
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John Hancock Life is rolling out a new structured settlement exchange program that enables John Hancock annuitants to address their liquidity needs when they arise, while providing a measure of protection against secondary market predators
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The longevity of the life insurance company issuing structured settlement annuities and consistency of its ratings is an important consideration when you consider a structured settlement for a long term or lifetime obligation that may stretch 50 or more years into the future
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The article, by John Darer, discusses the complexities and potential legal issues surrounding factored structured settlement receivables as qualified funding assets. It raises concerns about misrepresentations of structured settlement payment rights, questioning the legitimacy of these agreements and their tax implications under Internal Revenue Code. The author urges readers to seek clarification and professional advice.
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It is actually smart risk management on the part of Prudential. Insurers must have assets to match against liabilities under state insurance regulations. Large volumes of business coming in under book rates present challenges that are increasingly difficult to manage when rates shift at warp speed.
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When a cash now scam artist from NY ot FL tries to get you to sell your stable tax exempt structured settlement payments (lockedin at higher rates) for pennies on the dollar to put into investment program projecting 8%-11% eturns, consider the stark reality about the vicissitudes of the market:
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An Oregon Administrative Law Judge (“ALJ”) previously found that a Plaintiff’s structured settlement annuity was not an excluded resource for purposes of SSI. In a 2-21-2020 decision, the decision was REVERSED and this matter was REMANDED for recalculation of benefits. Here’s the story
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Plaintiffs had sued a Mineola New York couple, individually and as guardians of for their deceased son, seeking recovery of $272,266.14 in overpaid life contingent structured settlement payments paid after the death of their son. The Complaint said Defendants refused to repay the $272,266.14
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Structured settlement annuities are not tax exempt. Where used as a “qualified funding asset” the structured settlement payments may be tax exempt, but the essential reason for the tax exemption is the damages that the payments from the structured settlement annuities represent.