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: Stamford Employment Lawsuits

MetLife Announces NQA-Flex Deferred Payment Solution for Non-Physical Injury Settlements

April 1, 2026

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.
What is a Non Qualified Structured Settlement Used For?

April 10, 2012

Depending on the non qualified assignment facility used, non qualified structured settlements can be funded with annuities, United States Treasury obligations, professional money management (based on objective formula) and/or structured settlement payment rights.
How IRS PLR Impacts Employment Settlement Strategies

June 20, 2008

A favorable PLR, which while based on an employment claim, opens the door to using structured settlements to resolve a multitude of non-physical injury claims, fraud, slander, wrongful imprisonment and other types of claims not excluded from income under the Internal Revenue Code.
Employment Structured Settlements Market Could Benefit from Withholding Solution

January 12, 2008

The lack of a withholding tax solution poses a challenge for incorporating lost wage claims into employment structured settlements. A 2008 IRS Private Letter Ruling clarifies the tax treatment of such recoveries, but the withholding issue within the structured settlement framework is yet unresolved..
Connecticut DOUBLES Agents’ Licensing Cost But FAILS to Plug Regulatory Gap, Leaving “Financial Crack” Dealers To Run Amok in State, Soliciting Residents At No Cost or Recourse

January 1, 1970

The lack of licensing of settlement purchasing companies in the State of Connecticut while continuing to burden agents that are licensed, pay taxes (and many of whom VOTE) in Connecticut is short sighted, for the following reasons.