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: Oneida County Structured Settlements

NYC GMVA Look back Window | A Second Chance at Justice: Understanding NYC’s 2026 GMVA Lookback Window and How Settlement Planning Supports Survivors

February 27, 2026

New York City’s 2026 amendment to the Gender-Motivated Violence Act introduces an 18-month revival window for survivors to pursue civil claims previously dismissed due to outdated statutes. This amendment allows claims regardless of timing and expands institution liability, providing a renewed path to justice and support for survivors through structured settlements.
The Affordable Care Act Was Pitched as a Collateral Source | How About Now?

November 11, 2025

The post discusses challenges faced by the Affordable Care Act (ACA) in settlement negotiations, particularly regarding rising insurance premiums and insurer participation. It highlights a 2024 court case where defendants argued for collateral source hearings based on ACA eligibility. The ongoing political climate raises concerns about the future stability of ACA subsidies and insurance costs.
Structured Settlement Quotes | Guide to Structured Settlement Quotes

May 22, 2025

How do you obtain a structured settlement quote? What are the types of structured settlement quotes? Speak to a true structured settlement broker, expert or consultant and not a factoring company or cash flow company representative masquerading under any of these terms.
Structured Settlements Can Make a “Win-Win For Both Sides” New York Plaintiff Lawyer

May 31, 2010

“Although a structure cannot “turn water into wine”, shifting certain risks to annuity issuers can sometimes create an opportunity in which the plaintiff gets more than he or she would get under a 50-A or 50-B judgment AND still enable the Defendant to pay less than it would otherwise be obligated
Navigating Life After Legal Settlements

December 7, 2005

Litigation is a draining process and plaintiffs may have symptoms of post traumatic stress. Others may feel relief. Still others may feel a void in their lives because of the time and space that the litigation has taken in their minds.