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: Stamford CT Settlement Planning
Topics related to Stamford CT settlement planning, that may be of interest to personal injury lawyers in Stamford CT or residents of Stamford CT that may be involved in a lawsuits for personal injury, wrongful death, medical malpractice and seeking settlement planning advice and information.
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Annuities are boring financial creatures that remain unapologetic for simply providing a sustainable “river” of income. Structured settlement annuities are also income tax free to those receiving damages from physical injuries, physical sickness or wrongful death
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MetLife Structured Settlements announces that from August 25, 2026, Metropolitan Life Insurance Company (MLIC) will be the primary structured settlement annuity issuer for qualified assigned cases, marking its full return after May 3, 2017. Non-qualified assignments will still be handled by Metropolitan Tower Life Insurance Company. Quoting instructions for MLIC will also be provided to…
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Younger adults are increasingly favoring risk-managed products like structured settlements for financial stability and predictable income due to past market trauma and unique care responsibilities. This shift presents opportunities for attorneys to protect clients and reduce liability while meeting the evolving needs of younger claimants amid volatile economic conditions.
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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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A structured settlement lock-in (or lock in) means that the structured settlement annuity issuer will guarantee the cost of a structured settlement, including the specific payment stream in exchange for the “quid pro quo” of a commitment to accept or purchase.
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MetLife has launched the Non-Qualified Assignment Flex Agreement (NQA-FA), providing enhanced payment flexibility not restricted by IRC 72(u). This product supports deferred payments, lump sums, and annual increases, allowing for customization. It serves as a settlement tool for non-physical injury claims, offering reliability and strong repayment features.
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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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The Survivor Justice Tax Prevention Act (H.R. 2347), introduced on March 25, 2026, aims to exempt survivors of sexual assault from taxation on compensatory damages and settlements. It simplifies the process by removing the medical record requirement and aligns tax practices with IRS policy, ensuring dignity for survivors while reducing legal complications.
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Payout Plus is a new structured settlements annuity option from Pacific Life that enhances financial stability and growth opportunities for claimants. By offering indexed-based payments, it provides a guaranteed minimum with potential fluctuations, catering to those receiving personal injury or workers’ compensation settlements, while promoting financial resilience and flexibility.
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Long-Term Services and Supports (LTSS) are vital for individuals who cannot perform daily activities, yet often overlooked in settlements. Structured settlements provide essential financial stability for ongoing LTSS needs, allowing for predictable, long-term care funding. Integrating Special Needs Trusts and ABLE accounts further ensures that these supports remain sustainable and effective.