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: Hartford Class Action Settlement

The Hartford Class Action Settlement refers to the class action settlement in the matter of Spencer v Hartford, litigated in Connecticut, that began in 2005 and was settled in 2010.

  • Spencer v Hartford Financial Services Group Class Action Settlement

    If you’ve ever been curious of the amount of work that goes in to a class action and the fascinating way that attorney compensation is determined in such cases, you need look no further than the August 16, 2010 Declaration of one of the attorneys involved in the Hartford class action settlement

  • Spencer v Hartford Settlement: 10% of Predicted Damages Explained

    Spencer v Hartford Settlement: 10% of Predicted Damages Explained

    The class action lawsuit Spencer v Hartford resulted in a settlement amounting to only 10% of projections made by Patrick Hindert in 2009. The plaintiffs alleged damages under RICO related to structured settlement premiums, but the settlement reflects a mere fraction of the potential damages, highlighting persistent issues in the industry.