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: Stratford Structured Settlements

  • 🔹Structured Settlements and Bankruptcy of the Payee: What Courts Actually Look At

    🔹Structured Settlements and Bankruptcy of the Payee: What Courts Actually Look At

    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.

  • How Pre-Funding Secures Better Settlement Outcomes

    How Pre-Funding Secures Better Settlement Outcomes

    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.

  • Touchdown Notre Dame For Master’s Structured Settlement Certification (MSSC)

    Touchdown Notre Dame For Master’s Structured Settlement Certification (MSSC)

    The Master’s Structured Settlement Consultant (MSSC) is an advanced credential earned by qualified structured settlement consultants and settlement planners from NSSTA and the Stayer Center for Executive Education at the University of Notre Dame (currently University of Texas at Austin)

  • What is the Tax Liability to Beneficiaries receiving Structured Settlement Payments?

    What is the Tax Liability to Beneficiaries receiving Structured Settlement Payments?

    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.

  • What is a Non Qualified Structured Settlement Used For?

    What is a Non Qualified Structured Settlement Used For?

    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. 

  • A Structured Settlement Annuity Is Like a Tomato

    A structured settlement annuity is like a tomato. It can be sliced, prepared or used in many different ways to suit you or your client’s taste and needs. Work with a credentialed structured settlement expert who possesses the knowledge and vision to guide you through the menu.