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: Structured MSA
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You cannot fund a Structured Medicare Set Aside with a “secondary market annuity”. You cannot fund a Medicare Set Asidet with a “secondary market annuity” because a “Secondary Market Annuity” is not an annuity. A “Secondary Market Annuity” is a scam label for structured settlement derivatives.
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A rated age helps quantify the cost of funding a structured Medicare Set Aside Arrangement (MSA) at the maximum discount and a more cost efficient funding of the future pain and suffering and future medical elements of damages in a New York structured judgement
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CMS published a 2025 update to its “How To”:how to reference guide on Workers Compensation Medicare Set Aside Arrangements. Almost everything you need to know all in one place! CMS published an updated to its Workers Compensation MSA Self Adminstartion Tool Kit in August 2024
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CMS clarified its requirements for rated age language in Workers Compensation Medicare Set Aside Proposals (WCMSA) in a recent memorandum. A revised certification is mandated, attesting that all relevant rated ages are included in WCMSA submissions. Acceptable proof must come from insurance carriers or settlement brokers to ensure compliance.
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It is important to distinguish the use of rated age to “price out the WCMSA” in the CMS memo and the actual cost of the annuity if a structured MSA is used. The funder of the MSA will still be able to use the highest rated when it buys/funds the commercially available annuity for the…
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When promoting Structured MSA, the devil is in the details. A Structured MSA has tremendous benefits, but a mural of “scary turkeys” known as “speedy thieves” in the scientific community, is not exactly what I would have in mind to promote them.
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Payments are made to the account from an annuity on a defined schedule to cover expenses projected for future years. Seed money is required to cover the first procedure or replacement and two years of annual payments. Subsequent annual deposits occur annually. Savings of 30% plus possible
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Medicare Set Aside arrangements are intended to not only protect Medicare’s interest, a requirement of the Medicare Secondary Payer Act (MSP), but to also protect the settling injured worker (or plaintiff if Liability MSA) from the loss of Medicare benefits.