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: Glen Cove Structured Settlements

Long‑Term Services and Supports (LTSS): The Missing Lens in Structured Settlement Planning

March 6, 2026

Long-Term Services and Supports (LTSS) are vital for individuals who cannot perform daily activities, yet often overlooked in settlements. Structured settlements provide essential financial stability for ongoing LTSS needs, allowing for predictable, long-term care funding. Integrating Special Needs Trusts and ABLE accounts further ensures that these supports remain sustainable and effective.
What’s Ripe and Ripening on the Plantiff Scene Across the USA?

October 9, 2025

Henry County Georgia’s Record run ends just shy of 6 years. Goldboro Law Firm Hits 3 Pointer and more! 1. First of all we have huge news. Henry County Georgia has aligned with autumn and just as the leaves are falling off the trees, “Plantiff cases” are off the Henry County Georgia Dockets after a…
Are Structured Settlement Annuities Taxable? It’s All About The Damages

May 11, 2024

The key take away is that it is the damages that are tax exempt. With a properly established structured settlement, that starts with an obligation to make future periodic payments as damages on account of personal physical injury, An annuity commonly funds the periodic payment obligation.
How Pre-Funding Secures Better Settlement Outcomes

October 23, 2023

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.
New York Structured Judgments | The Interest Rate Lever on Present Value

June 7, 2016

The low interest rate environment continues to favor New York plaintiffs with strong liability cases due to the 30 year old statutory growth rates juxtaposed against today’s low interest rates.