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
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- How Sheron Jones Was Exploited — And Why D.C.’s Failure to Mandate IPA in SSPA Enabled It
- Attorney Fee Structured Settlement Factoring
- One Year Later: The Structured Settlement–to–Bitcoin Anniversary Nobody Is Celebrating
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Category: St. Paul Structured Settlements
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by John Darer CLU ChFC MSSC CeFT RSP CLTC As more structured settlement designs reference external indices such as CPI‑U, the terminology used to describe them has expanded. Words like index‑linked, index‑based, and occasionally index‑backed appear in product materials and industry discussions, sometimes without clear differentiation. This brief guide provides a neutral, carrier‑friendly framework to…
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Recent discussions among attorneys highlight how structured settlement payments are treated in bankruptcy, focusing on the payee’s situation. The courts prioritize the purpose of payments, proper legal documentation, and allocation clarity. A well-structured release is essential, as effective planning and documentation can protect payees’ interests during bankruptcy proceedings.
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MetLife, founded in 1868, has demonstrated exceptional durability in the financial sector, surviving numerous economic challenges while remaining a reliable presence in structured settlements. Its 158-year history showcases adaptability, stability, and ongoing relevance in an industry marked by change. Happy birthday, MetLife, for continuing to evolve and thrive.
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Is an Unassigned Structured Settlement a Spineless Jellyfish? Hardly! Uncle Sam does them.
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Pre-funding a structured settlement can expedite the closing process and safeguard favorable rates in fluctuating interest environments, benefiting all parties involved. Insurance companies often issue pre-fund refund letters, minimizing risks for defendants. This approach is particularly useful in complex court systems like New York, ensuring timely funding of settlements.
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The measure was approved unanimously in the MN Senate and by a 121-4 vote in the MN House of Representatives showing how impactful last Fall’s scathing 4-part report in the Minneapolis Star Tribune in opening the eyes of lawmakers to the fulminating abuse of Minnesota citizens.
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A bill has been introduced to add more teeth to the Minnesota Structured Settlement Protection Act, including unprecedented provisions that address conduct of structured settlement factoring companies’ and their representatives have been observed in Minnesota and across the USA.
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Star Tribune found that “judges are often hampered by doubts and vague laws”. There is no licensing standard or regulator of sales practices in any state, unlike other financial services. There is no regulator with the deterrent power to fine, suspend or revoke licenses of bad actors in settlement buyouts.
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The article, by John Darer, discusses the complexities and potential legal issues surrounding factored structured settlement receivables as qualified funding assets. It raises concerns about misrepresentations of structured settlement payment rights, questioning the legitimacy of these agreements and their tax implications under Internal Revenue Code. The author urges readers to seek clarification and professional advice.
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When savings accounts pay zero or confiscatory interest rates, they would seek out the exact type of safe yield that structured settlement payments provide to personal injury victims, wrongful death survivors and others who elect to receive structured settlements when their lawsuits settle.