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: New Rochelle Structured Settlements
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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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A structured settlement lock-in protects against interest rate shifts for brokers and planners at case resolution. It guarantees specific payment streams, often without fees for short periods. Lock-ins enhance satisfaction and funding security, especially for minors or wrongful death settlements. Absence of a lock-in risks delays and potential financial losses.
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Pacific Life Insurance Company* has extended its lock in period to 12 months from 6 months in a move that will make it a bit easier to deal with intolerable delays associated with Surrogate Court approvals necessary in New York wrongful death cases. It will also be helpful on infant compromise cases.
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New York State General Obligations Law 5-1702 places a burden on defense lawyers, defendants, insurance adjusters having New York adjudicated casesthem or their client to make certain written disclosures when a structured settlement is negotiated.
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Post settlement underwriting, is a virtual impossibility in states like NY, FL, MA and MN, whose statutes mandates a disclosure of cost to be made by the Defendant or Defendant’s legal representative at the time structured settlement is negotiated (See New York General Obligations Law §5-1702 .
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AGC Life Insurance Company guarantees the obligations owed to structured settlement payees under Qualified Assignments entered into AFTER after January 16, 2012. AGC Life is a MO domiciled life insurance company and owner of certain affiliated life insurance companies of AIG.
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Structured settlements are generally zero volatility income distribution products. More than half of consumers do not not wanting swings of more that 10% in their retirement portfolio according to a volatility poll conducted online by MetLife.
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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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The New York General Obligations Law 1705(e) creates an obligation on the part of the defendant or the defendant’s attorney to make:”a statement that the claimant is advised to obtain independent professional advice relating to the legal, tax and financial implications of the settlement, including any adverse consequences and that the defendant or defendant’s legal…
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A significant issue for a plaintiff with large recovery is that a structured judgment is not customizable like a structured settlement and comes with the risk that the non guaranteed portion of the recovery could evaporate in the event the plaintiff dies prior to the end of the defined life contingent period.