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
- 🔥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)
- ⭐ THE 18–25 GUIDE TO STRUCTURED SETTLEMENTS
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Category: Steuben County Settlements
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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 blog addresses structured settlements, designed to provide long-term financial security through regular payments instead of a lump sum after lawsuits or claims. Aimed at teens and young adults, it highlights the importance of understanding these settlements, avoiding scams, and considering alternatives to selling them for immediate cash.
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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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Structured settlement payments can be equal or unequal, depending on their qualification status. Qualified payments allow flexibility in types and durations, while non-qualified payments are subject to specific IRS rules regarding equal payments. Various companies facilitate these assignments, and there are alternative funding options beyond traditional annuities.
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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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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.
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“What is constructive receipt?” How to avoid constructive receipt to take advantage of structured settlement benefits. Avoid the Grim Reaper of Structured Settlements.
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John Darer discusses the concept of settlements, emphasizing that they are negotiated compromises rather than victories. He clarifies that settlement agreements explicitly state they do not imply liability. Additionally, he critiques misleading advertisements that suggest one can “win” or be “awarded” a settlement, reinforcing the importance of accurate terminology.