A structured settlement generally offers a greater return for minors than a blocked account, or government bonds, spendthrift protection and, in many cases a more meaningful short or long term solution than simply a lump sum of cash at majority, where it can be squandered before the child, minor ward or young adult is mature enough to understand the consequences.
Divorce structured settlements can provide assurances for the receiving spouse of child support obligations, alimony or stable income from periodic payments of equity distributions. Structured settlement payments, which are often paid by direct deposit, are "On Time Every Time", thus reducing the time and cost of new court proceedings to resolve issues that may arise. The receiving spouse can rely on the payments backed by the credit of a regulated insurer instead of a former spouse exposed to risks of employability (continued good health, ability to perform, economic cycles). There are also benefits to the paying spouse.
A structured settlement is worth consideration by any senior or "seasoned citizen", including a retired individual or one who is at or near retirement age.
Why Structured Settlements?
Because Certain Sells®
One of the many obstacles that may hinder settling a personal injury suit is the loss of entitlement benefits (SSI, Medicaid, etc. )following a settlement. A Special Needs Trust or Supplemental Needs Trust can help preserve those benefits.
The split annuity strategy provides dependable tax free income and principal preservation.
Life insurance may be an important element of a settlement plan when the settlement involves a minor child or incapacitated adult, particularly if parents or loved ones are the primary caregivers. Life insurance can be used to finance the cost of a replacement caregiver, or someone who will replace certain services that were provided for by the caregiver. This value of this use cannot be overemphasized. For a more in depth examination of the uses for, and the forms and methods of paying for life insurance, click below.
Property owners with low basis high value real estate have a means defer capital gains by way of an installment sale, thereby converting the property interest into a customized guaranteed income stream for themselves without having to rely on the creditworthiness of the buyer.
Medical professionals and business owners with low basis high value shares in a practice or in a business have a means defer capital gains by way of an installment sale with a customized guaranteed income stream for themselves without having to rely on the creditworthiness of buyer.
Where a product defect or failure causes a construction defect and that defect causes personal injury or property damage, the product manufacturer will be liable in tort for the resulting harm.
Structured settlements have obvious potential where construction defects lead to a catastrophe and personal physical injury, physical sickness, or loss of life. In addition, structured settlements may be helpful to plaintiffs who wish to spread out basis, capital gains or income
Last updated February 13, 2024
Terminal Funding is a method to achieve balance sheet relief which permits a company or plan sponsor to transfer all or a portion of its financial obligations to a high quality insurance company.
Structured settlements are increasingly being used to resolve worker’s compensation claims.
Structured settlements may be beneficial to individuals who have been wrongfully imprisoned by providing a stable income foundation for themselves and their families as they transition from prison back to society.
4structures.com, LLC
The Structured Settlements and Settlement Planning Company
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888-325-8640
646-849-1588
New York City (Manhattan, Bronx, Brooklyn, Queens, Staten Island), Westchester(NY), Nassau County (NY) , Suffolk County on Long Island (NY), Albany County (NY), Oswego County (NY), Steuben County (NY), Broome County (NY), Onondaga County (NY), Fairfield County (CT), New Haven County (CT), Hartford County (CT) New London County (CT), Tolland County (CT), Litchfield (CT), Middlesex (CT) , Bergen County (NJ), Middlesex County (NJ), Ocean County (NJ)
Structured Settlement Experts and Settlement Planning Consultants for settlements from claims or lawsuits arising out of Aviation accidents, Medical Malpractice, settlements involving Serious Personal Injury, Wrongful Death, Wrongful Incarceration, Employment, Civil Rights, Discrimination of any type, Auto accidents, Motorcycle accidents, Maritime accidents, Workers' Compensation, Product Liability, Real Estate Liability, Construction Defect claims or lawsuits, Landlord/Tenant,
Property, Attorney Fee Deferrals, Funding Agreements, Structured Installment Sales, Environmental Liability and Commercial Dispute settlements.
Structured settlements and structured settlement brokerage, settlement planning, Sudden Money®, financial transitionist, funding agreements and insurance related services provided by 4structures.com LLC.
Financial Advisory Services provided through Groove Financial Advisors , LLC, and its service partners.
Fiduciary services, including the custody and administration of trusts provided via service partners.
Securities and Insurance Products are NOT Insured by the FDIC, nor by any other Federal or State Government Agency, are NOT a Deposit of and are NOT Guaranteed by a Bank or any Bank Affiliate, and securities MAY lose value.
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