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
- Daily Rates Are Often an Important Cost Driver of Structured Settlements
- 🔥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)
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Category: Settlement Planning Issues
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A June 2015 post by a structured settlement payee on Reddit highlights a financial dilemma in which he contemplates his options. including selling structured . He says he would like options besides the the “standard structured settlements sharks (JG Wentworth, Peachtree, Oasis etc.).
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The use of the term “over-structuring” creates a “pantomime villain” for the annuitant and the settlement planner and/or cash now pusher to attack, even if the claims may be baseless in that the villain is molded by the annuitant’s own profligate spending or bad investments.
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Life insurance up to $1 million is available without having to get jabbed with a needle to draw your blood or submit a urine specimen.
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A Certified Financial Transitionist may help.plaintiffs facing the need to make life impacting financial decisions during a period of heightened stress.Transition stress can impair the decision making process, perhaps even leading to a frozen state where making a decision seems impossible.
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As a settlement expert, long-term care and extended care naturally align with planning requirements in certain personal injury cases, extending to a wider scope that encompasses the lives of stakeholders and their families involved in these cases.
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The funds in the Medicare Set-Aside Account (MSA) shall be placed in an interest bearing account and used solely for legitimate medical expenses incurred for those medical needs related to or resulting from your work-related or accident related injury, which would otherwise be reimbursable or paid for by Medicare.
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Structured settlement payments can be tax-free for payees if they relate to qualified damages under specific sections of the Internal Revenue Code, such as physical injury or workers compensation. Non-qualified settlements offer tax deferral, usually taxed upon receipt. Consulting a structured settlement advisor is recommended for proper establishment.
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A structured settlement would have certainly made sense in 1988, when one can deduce the accident occurred and some point in the following years when the lawsuit was adjudicated. Interest rates were roaring at the time.
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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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With respect to structured settlements for personal injury, payable to Australian nationals, the Australian tax exemption is limited to circumstances where an annuity is purchased from an Australian insurer registered under the Life Insurance Company Act of 1995, or a State Insurer