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: What is a Structured Judgment?
What is a Structured Judgment? A structured judgment is a form of legal judgment in which at least some of the damages are paid as futire periodic payments. The future periodic payments are funded with a structured settlement annuity in compliance with state law. New York CPLR Article 50A (for medical dental and podiatric malpractice) and Article 50B (for other liability)
A Structured Judgment is not a structured settlement.
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Present value calculations under New York CPLR 50B must also take into account a 4% growth rate on future damages while reducing to present value using the applicable discount rate. So what happens if the growth rate exceeds the discount rate?
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Security authorized or required for payment of a structured judgment for periodic installments entered in accordance with New York CPLR Article 50B:must be in the form of an annuity contract approved by the Superintendent of Insurance
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The distinction between structured settlements and structured judgments is unfortunately lost on occasion by the news media and unsophisticated financal bloggers.