Why “Structured Settlements to Crypto” is a Terrible Idea for Injury Victims
Tax, Risk, and Suitability Issues in Structured Settlement–to‑Crypto Conversions The Pitch Sounds Modern. The Reality Is Dangerous. Every few years, someone tries to bolt the latest financial trend onto structured settlements. Today’s version is the idea that injury victims should convert their guaranteed, tax‑free structured settlement payments into cryptocurrency. It’s marketed as “innovative,” “future‑focused,” or […]
Weiss Ratings | John Darer Reviews What is a Weiss Rating?
Weiss Ratings is Not Paid to Rate Who is Weiss Ratings? Weiss Ratings has been in operation since 1971, but in the realm of structured settlements, A.M. Best ratings, along with those from Moody’s, Standard & Poor’s, and Fitch (formerly Duff & Phelps), are more commonly referenced. Additionally, other Tier 1 ratings, such as those […]
IRC 130(c) Unwind Clause in Qualified Assignments | Best Practices
John Darer Reviews What Can Happen Without Proper Care in this blog John Darer reviews what can go wrong if a qualified assignment is not completed properly and makes past the life insurer’s new business department. What Can Go Wrong if a Qualified Assignment is Not Done Properly? An asset/liability mismatch caused by adverse taxation […]
QSF Management: Convenience vs Compliance?
“Pride Cometh Before the Tax Trap Fall” Talking Points: QSF Management – Convenience vs. Compliance Qualified Settlement Funds are a tax-based statutory formation similar to § 401(k), § 125, or § 457 plans. All of these arrangements enjoy a “qualified” tax benefit in exchange for satisfying a mandatory set of qualifying requirements, including but not […]
QARP and UCC Article 9 | Choice of Law Considerations with Pledge
Choice of Law Considerations in AL, AK, ND, NM, TX, WI, WY, DC A Qualfied Assignment Release and Pledge Agreement (QARP) is a type of qualified assignment that gives a structured settlement payee a security interest in the qualified funding asset pursuant to the Uniform Commercial Code (UCC). What is a Qualified Assignment? (4structures.com) What […]
Individuals with Disabilities Education Act | 50th Anniversary
Public Law 94-142 November 29, 1975-November 29, 2025 Monumental legislation signed into law by Presidnet Geral R. Ford in November 1975 It may be hard to believe for some, but years ago children with disabilities were referred to in legal decisions as imbeciles. If a child was mentally retarded, by statute, the child had no […]
Survivor Payments from a Structured Settlement
“All payments From a Structured Settlement Are Guaranteed” ? Structured Settlement Survivor Payments The following blanket statement was seen on the Internet about structured settlement survivor payments. A. “If no beneficiary was designated, the payments will become part of the recipient’s estate and be distributed according to their will or state laws”. The statement needs […]
Can Structured Annuity Issuer Just “Refund” Annuity Premium to a Payee If Payee Changes Their Mind?
Does a Structured Settlement Have a “Free Look” Period Like Other Insurance? “Whoa Nelly” accepted a structured settlement and, upon later reflection, felt she had been pressured by “Slick Ricky Pluckafiglio”, the settlement adviser recommended by her lawyer, into accepting a structured settlement funded by an annuity issued by “Sauerkraut Mutual Life Insurance Company”. Nelly […]
Qualified Settlement Fund Not So Best Practices | Pay Attention!
Can a Qualified Settlement Fund (QSF) Be Retroactively Requalified After Revocation or Termination of a Governmental Authority’s Continuing Jurisdiction? Introduction Let’s examine a situation in which a governmental authority revokes or terminates the ongoing jurisdiction of a Qualified Settlement Fund (QSF) and explores whether a new governmental authority can retroactively remedy the disqualification. It is […]
4structures.com | One of the Most Comprehensive Structured Settlement Resources Says Google AI
Particularly for those who want Detailed, Expert-level Information 4structures.com website is one of the most comprehensive structured settlement resources, particularly for those who want detailed, expert-level information, according to Google AI The factors cited in the Google AI analysis in recognizing the 4structures.com LLC website: Run by a professional:The site is managed by structured settlement […]