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.
recent posts
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- One Year Later: The Structured Settlement–to–Bitcoin Anniversary Nobody Is Celebrating
- SettlementDecisions Episode 4: Purports to be a Directory-Delivers Spam Instead
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Category: Financial Planning
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The IRS has introduced online tool to help individuals and employers to estimate Affordable Care Act (ACA) Credits and Payments as they apply to mandatory health insurance under the ACA.
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One aspect of settlement money, “Life changes”. People come out of the woodwork seeking loans. Special care must taken with decisions with lending settlement money, particularly if you are physically or mentally unable to work because your settlement money has to last.
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An annuity payout rate is not an interest rate. An annuity payout rate is the percentage of the annuity purchase price that is paid out each year and includes both interest and return of principal. The term “annuity payout rate” is used in marketing as a way to make income annuities more attractive.
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In a clear indication that certain players in the structured settlement secondary market are moving beyond the moral high ground of actual financial need, to targeting impulsive behaviors and a sense of entitlement. Never be an impulse seller of a structured settlement!
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The long term care policy paid more than 6 times what was paid in premiums, allowing my father to live a dignified and enriched life to the end in the best facility, allowed us to supervise his care, maintain our careers and to preserve his and our own assets. It gave us choices.
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Compensation for pain and suffering resulting from the consensual performance of a service contract is not “damages” under I.R.C. section 104(a)(2) and must be included in gross income
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Small business owners who itemize may be able to deduct 100% of their medical, dental, and qualified Long Term Care Insurance up to the Eligible Premium amounts listed above [IRC 162(l)]. for themselves, their spouse, and their dependents if …
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While bankruptcy law typically protects retirement assets from the reach of creditors, unlike a typical IRA, money in an inherited IRA can be withdrawn without waiting for the new owner to retire. The SCOTUS reasoned that the change in the status of the account is readily available to payoff creditors.
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When it comes to financial decisions, if people don’t feel comfortable with everyday financial terms and don’t feel that the financial information they receive is easily understood, it seriously impairs the ability to make informed financial decisions.
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Disability insurance is an important pillar of financial security. Losing your ability to produce earned income is devastating both mentally and physically. Without disability insurance, your savings can melt down pretty quickly potentially impacting your financial viability and those you love.