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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- Attorney Fee Structured Settlement Factoring
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Category: Structured Settlements New York
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Lower interest rates impact plaintiffs favorably in New York structured judgment projections. Plaintiff lawyers, defendants, insurers and defense lawyers can benefit from having a settlement adviser or consultant who is fluent in the application of Articles 50A and 50B
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Bond yields increasing across the spectrum reduce plaintiffs’ CPLR Article 50B net discount rate advantage on structured judgments in New York. A discount rate inversion has served to inflate present values in excess of the actual numbers awarded by the trier of fact, for over a decade.
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Structured settlement factoring transactions are generally bad for structured settlement payees. In addition to giving up security, most payees sacrifice substantial economic value. It should be the financing of last resort for structured settlement payees. Berkshire Hathaway does the right thing.
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In 2026, several life insurance companies provide structured settlement annuities for personal injury and related claims in New York City and surrounding counties. Key issuers include Metropolitan Life, New York Life, and Prudential. Only three companies offer annuities for structured judgments under specific legal articles due to strict provisions.
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Settlement Planning Opportunities and Considerations With The Excelsior Scholarship and Collateral Benefits as New York offers free full-time undergraduate tuition at public colleges and universities to students with an annual family income of $125,000 or less.
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Metropolitan Tower Life Insurance Company became the primary underwriting company for MetLife structured settlement annuities. Metropolitan Tower Life was the successor-in-interest to Metropolitan Insurance and Annuity Company (“MIAC)”, the qualified assignment company used by MetLife structured settlements until December 1, 2004.
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New York Judges who shun a structured settlement in favor of sticking in a local bank or banks to earn interest until the minor is 18, need to be mindful of how such a decision can negatively affect student loan eligibility.
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Increasing yields on the 10 year United States Treasuries narrow the negative interest rate spread that has served as a growth rate when calculating the present value of damages under NY CPLR Article 50-B for almost a decade.
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The low interest rate environment continues to favor New York plaintiffs with strong liability cases due to the 30 year old statutory growth rates juxtaposed against today’s low interest rates.
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Structured settlement sellers who sign affidavits that state that they live in Florida when they don’t, face a battle to unwind deals not in their best interest because they’ve been complicit in the fraud. NY residents who get tricked into the fraud also get hog-tied by an arbitration provision that would not be permissible in…