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: Melville Structured Settlements
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The article discusses the misleading nature of high “rate of return” claims in structured settlement proposals, often characterized by terms like “tax-free rate” versus “taxable equivalent yield.” It emphasizes the importance of accurately understanding Internal Rate of Return (IRR) calculations, noting that different cash flows may yield varying results.
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John Darer reviews the Certified Structured Settlement Consultant (CSSC) designation, earned by completing a program by the National Structured Settlements Trade Association and the University of Texas at Austin. The CSSC program, established in 1994, requires 60+ hours of study, work experience, and passing an exam, ensuring expertise in structured settlements.
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In 2026, several life insurance companies provide structured settlement annuities for personal injury and related claims in New York City and surrounding counties. Key issuers include Metropolitan Life, New York Life, and Prudential. Only three companies offer annuities for structured judgments under specific legal articles due to strict provisions.
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As things stand today, every dollar of pain and suffering is worth more in present value in a structured judgment than the jury verdict.
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A rated age helps quantify the cost of funding a structured Medicare Set Aside Arrangement (MSA) at the maximum discount and a more cost efficient funding of the future pain and suffering and future medical elements of damages in a New York structured judgement
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Qualified assignments for structured settlements then and now. Helpful video on “What is a Qualified Assignment” featuring structured settlement expert John Darer®, a Master Structured Settlement Consultant from the New York City Metropolitan area
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The A.M.Best “A+” rating action concerning First Berkshire Hathaway Life Insurance Company is great news for New York plaintiffs, particularly minors, incompetents or other cases where Court approval is required for structured settlements and the Court requires minimum third party ratings.
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Is the structured settlement broker the agent of the Defendant for purposes of “tender” in New York CPLR § 5003-a, or is it an agent of the insurance company? How about the independent contractor who is handling the administration for the structured settlement broker?
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Period Certain in an annuity, means the number of years that the payments will be paid regardless of whether or not the payee of the structured settlement annuity (or retirement annuity) survives the entire payment schedule.