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Settlements for Seniors and Retirees

Benefits of structured settlements for seniors, retirees and near retirees:

  • A structured settlement can be used to help maximize social security, by providing income that will give a senior the option to delay receiving social security until age 67 or 70 when benefits are higher. Click on the right to watch an informative podcast on maximizing your social security with a structured settlement, featuring 4structures.com LLC President, Master Structured Settlement Consultant and Sudden Money®Advisor John Darer®
  • Spouses can count on tax exempt income for their entire lifetimes using structured settlements;
  • The level of monthly income is generally greater than what can safely be obtained (after-tax) from other conservative investments, without the uncertainty and volatility;
  • Use a rated structured annuity to fund irrevocable life insurance trust (ILIT), if medical risk factors allow the arbitrage. Claimants with health impairments may benefit from a rated age and use the resulting savings on the cost of annuity payments to help offset the increase in life or second-to-die life insurance1 premiums resulting from the same condition.
  • Guaranteed monthly payments could be paid to children or grandchildren. Some Life carriers offer a commutation rider which would serve to pay any remaining guaranteed payments to the children or grandchildren in a lump sum.
  • Guaranteed tax-free (physical injury, wrongful death) or tax deferred (taxable damages) Income plans can be customized to meet an individual or couple’s needs. Types of structured settlement payments
  • If you are insurable, allocate part of your settlement in a structure to fund the annual premiums for a long term care insurance policy, or life insurance policy with long term care rider, to address the funding of potential extended care needs. We can help you explore and implement a variety of long term care solutions (LTC insurance, life insurance with long term care rider, annuities with long term care enhancers and life care funding).
  • If you have a very serious illness, consider using a structured settlement to fund a memorial in your name, a scholarship or fellowship for your grandchildren, or for a resident or fellow in the medical specialty that covers research on the injury or illness you are suffering from.
  • According to the New England Centinarian Study, people over 100 are the fastest growing segment of the US population with people over age 85 the second fastest growing group

Longevity Risk is a Concern for Baby Boomers and Seniors

Fewer People Work For the Same Company for Their Entire Career and Defined Benefit Plans Are Rare
  • Fewer employees can rely on defined benefit pension plans, where employers save for them and employees are guaranteed a percentage of their salary in retirement.
  • State and local pension systems may seem fiscally secure, but that is often a façade created by assuming unrealistic rates of returns on investments and by using other accounting tricks. In fact, a forthcoming report from Stanford Professor of Finance Joshua Rauh estimates that the fiscal hole for state and municipal public employee pension plans is an astounding $3.4 trillion2.
  • Some employers that have defined benefit plans have been wracked by poor balance sheet choking investment performance. See here and here .
  • Even the top 100 largest corporate defined benefit plans are less than 80% funded acceding to an actuarial analysis by Milliman in February 2016. Google “pension shortfalls” or “pension funding shortfalls” for more examples of how pension funding shortfalls are impacting the credit ratings of municipalities all across the USA. Companies shift the investment risk to employees, with 401(k)s and defined contribution plans.
  • Plaintiffs in their 40s on up have lived through the stock market crash of 1987, the mortgage crisis of the early 1990s, the dot com crash of 2000, the 2008-2009 financial crisis (where some saw their investment portfolios drop 25-40%) and the horrid beginning of 2016 and seen some impact on their investments.

Why ride your luck, when you can provide core financial stability for the road ahead, with a structured settlement?




1 Type of life insurance used in estate planning
2 Press Release regarding Public Employee Pension Transparency Act, website of Congressman Devin Nunes R-CA, March 21, 2016

In This Section

A structured settlement provides core financial stability for the road ahead. Why ride your luck when the rat race is over?

Seniors are attracted to the safety, security, and guarantees inherent in a structured settlement.
Hit Me for more on settlement planning for seniors

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