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
- 🔥Founder and Former CEO of 777 Partners, Joshua Wander, Pleads Guilty⚖️ to $500 Million Fraud Scheme — DOJ Confirms Double‑Pledging, Misappropriation of Structured‑Settlement Funds, and Falsified Bank Statements
- The Steering Problem Needs a Wake‑Up Call
- Companies Still Using the Incorrect Term “Secondary Market Annuity”
- Canonical: Non‑Qualified Assignment (NQA)
- ⭐ THE 18–25 GUIDE TO STRUCTURED SETTLEMENTS
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Category: Medicare Set Aside Arrangements
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Does the submission of huge volume of rated age requests to life insurance companies, with little to no expectation of submitting business to those companies, all the while taking a big fee for acting as the middleman, constitute theft of services?
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CMS clarified its requirements for rated age language in Workers Compensation Medicare Set Aside Proposals (WCMSA) in a recent memorandum. A revised certification is mandated, attesting that all relevant rated ages are included in WCMSA submissions. Acceptable proof must come from insurance carriers or settlement brokers to ensure compliance.
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It is important to distinguish the use of rated age to “price out the WCMSA” in the CMS memo and the actual cost of the annuity if a structured MSA is used. The funder of the MSA will still be able to use the highest rated when it buys/funds the commercially available annuity for the…
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Instead of attacking American General, how about simply giving MSA stuctured settlement business to the markets that want the MSA business? Let market forces prevail
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In April 2009 Liberty Life Assurance Company of Boston introduced its Concierge Underwriting Program. This new program allows for underwriting on any case that you submit for a rated age, regardless of carrier. To qualify for Concierge Underwriting, a broker must place $500,000 in non-Liberty Mutual Group premium with Liberty Lifeper quarter, and Liberty Life Assurance…
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In short July 1, 2009 represents the commencement date for the new MMSEA reporting requirement, not what is mischaracterized by the structured settlement factoring broker.
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Timothy Richardson a former employee of the St. Louis branch of the Red Lobster restaurant chain, was left comatose in 2003 by the effects of a shellfish allergy hours after breading shrimp on the job. DealFlow Media’s report of the case on May 30, 2008 inaccurately states in its headline that the Richardson was "awarded a…
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The Centers for Medicare and Medicaid Services (CMS), thel agency that administers Medicare, is responsible for recovering past overpayments and to ensure that future medical benefits are paid by the primary payer (liability insurers, Worker’s Comp, self-insureds, judgments, settlements, compromises, etc,) and not shifted to Medicare.
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Traditionally the use of structured settlements as as a funding vehicle for SNTs enables the beneficiary to benefit from rated ages (medical underwriting) which theoretically enables that less trust corpus to be consumed. This is because a rated age means that the structured settlement quote will be less