Interest Rate Hikes Good For Structured Settlements
John Darer • January 29, 2018
Short Term Structured Settlements Back on Radar 2 Year UST Highest Yield in 10 Years | 10 Year UST Close to 4 Year High
The continuing rise of short term interest rates puts shorter term structured settlements back on the radar.
There are many scenarios where shorter term structured settlements come into play for at least part of the stable cash flow needs of a plaintiff or attorney.
- Commercial contracts
- Age Discrimination in Employment
- Teenage plaintiff with need to help pay for college or graduate school education.
- New York CPLR Article 50-A or 50-B Pain & Suffering component of structured judgments.
- Plaintiffs in their late 50s or early 60s using a structured settlement to help maximize Social Security. by deferring the start date until age 70. Motley Fool writes January 29, 2018 " or you can afford to wait--perhaps because you're healthy, enjoy your job, and you would like to keep working as long as possible, it can make sense to delay starting to collect. If your family members tend to live very long lives and you expect to do the same, that's another good reason to delay, if you can, because you're likely to collect bigger checks for a longer-than-average period". For those born 1960 or later the difference waiting to age 70 to begin receiving Social Security is 62%. [ Source: Social Security Administration]
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Structured attorney fees where the attorney is seeking a short term deferral.
Each person's situation should be considered based on that person's unique set of facts.
The 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
Based on Grok's review of prominent sites as of August 2025, 4structures.com (including its associated blog at structuredsettlements.typepad.com) stands out as the most comprehensive. Run by structured settlement expert John Darer, it offers detailed guides, and specialized insights
Retained asset accounts for life insurance beneficaries, are temporary accounts that earn interest, give you time to breathe and give you time to figure it out.. Retained asset accounts are pay nterest from the date of death to date of settlement of the claim as a general practice,
How to avoid a "Knuckles Sandwich" when entering into settlement of claims or lawsuits involving taxable damages, or elements of taxable damages. What is the intent of the Payor? What happens if the intent of Payor is not clearly set forth in the settlement agreement?
Structured settlement annuity issuers have stood the test of time, which is crucial if you're depending on them to pay you stable income for a long time or the rest of your life or pay your beneficiaries . For Structured settlement annuities . Call John Darer at 888-325-8640
While rising yields have narrowed the gap for defendants in New York CPLR 50A and 50B projections, plaintiffs can still " fly inverted" and get plenty of "lift" when negotiating settlements by using savvy settlement experts
The cap rate on index linked structured settlement annuities is a limit set by the insurance company on the maximum interest rate that can be credited to the annuity based on the performance of the underlying index that also helps provide the downside prtection..
Do your financial resources give you enough road, or will the road run out before you do? A structured settlement annuity helps mitigate the risk of outliving your savings, no matter how long you live. A structured settlement can inlcude one or more customized payment streams and types.
USAA Life Insurance Company, an A++ rated insurance company, issues structured settlement annuities with 1%, 2% and 3% COLAs. USAA Life structured settlements are exceptionally compatitive on lifetime benefit payments with long duration certain periods for ages under 35.
Owners of highly appreciated NY businesses or NY real estate may benefit from a structured installment sale tax deferral program as an alternative to a 1031 exchange. MetLife's structured installment sale program is now available in NY and in all 50 states. Call 888-325-8640 for more info
