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: Ossining 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Violence Act introduces an 18-month revival window for survivors to pursue civil claims previously dismissed due to outdated statutes.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.
Constructive Receipt is the Grim Reaper of Structured Settlements | Avoid Constructive Receipt

March 1, 2012

“What is constructive receipt?” How to avoid constructive receipt to take advantage of structured settlement benefits. Avoid the Grim Reaper of Structured Settlements.
New York CPLR § 5003-a Prompt Settlement Payment: Defendant Not Structured Settlement Broker!

June 9, 2011

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?
NY Structured Settlement Transfers? What’s Your Effective Discount Rate?

January 1, 1970

In New York, the rights of payees receiving structured settlement payments are protected under Title 17 of the New York State General Obligations Law 5-1703, also known as New York’s Structured Settlement Protection Act.