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
- 🌿 THE PLANTIFF HEDGE — Q2 2026
- Bad Faith Structured Settlements
- Most Trustworthy Structured Settlement Annuity Companies 2026 by Newsweek/Statista
- The Counsel-Managed QSF: A Structure That Cannot Stand Up Under Banks Doctrine
- Unparalleled Access to NSSTA Members is Unparalleled Baloney from Mailing List Broker
about
Category: Structured Settlement Help
-
While the terms “guaranteed” and “certain” are often used synonymously by those holding an insurance license, including some settlement planners and structured settlement brokers and even lawyers, such use is inaccurate and can lead to misinterpretation and/or misunderstanding by Payees.
-
A Qualified Assignment Release and Pledge Agreement is a legal document, the execution of which sets the 2nd stage of a structured settlement transaction in motion, in the context of personal injury or wrongful death settlements where there is a desire for the Payee to have secured party status.
-
Annuity.org has made a real hash of the structured settlement process, despite citing 10 sources and having it “financially reviewed” by a PhD and accounting professor that is held out as an expert in financial literacy. So, let’s set Annuity.org straight, shall we? A settlement is memorialized in a settlement agreement, which is a contract.
-
Structured settlement payments should not be late, “for their very important date” with you. This post may be helpfulif you are concerned about late structured settlement payments.
-
Neither the beneficiary of this structured settlement nor any other assignee shall have the power to assign the periodic payments to any third party without a genuine hardship and even then only with the advice of counsel. Any purported assignment in violation of this provision shall be void ab initio.
-
Courts do not establish structured settlements, and such arrangements do not require court approval to avoid taxes. Tax exemptions under the IRC apply to various damages related to personal injuries, including workmen’s compensation and wrongful incarceration. Approval is necessary in cases involving minors, incompetents, or wrongful death settlements.
-
Qualified assignments only became available for workers compensation cases filed AFTER August 5, 1997. An outstanding workers compensation liability can also be settled using a reinsurance solution if the employer is insured.
-
The CFPB suggests that you get a second opinion or an independent evaluation from a trusted source, your own attorney, or a financial adviser. Be cautious of recommendations from the company trying to get your structured settlement.
-
A structured settlement is a financial arrangement where a claimant receives part of their compensation as periodic payments instead of a lump sum, often following a personal injury or wrongful death claim. Governed by specific IRS regulations, these settlements can be funded through life insurance companies or government obligations and offer tax benefits.
-
If a beneficiary is named, the beneficiary needs to file a claim with the structured annuity issuer, or its successor. There is no need to apply the will, in such cases or to go through probate, a process that could take a year or longer.