Reasons to Delay Taking Social Security
John Darer • October 8, 2018
A Structured Settlement Can Help in More Ways Than One
A structured settlement can be used to replace the sums that a plaintiff would expect to receive from Social Security from the ages of 62 to 70 to enable the plaintiff to take advantage of a substantial increase in Social Security payments. For those born in 1960 or later the increase is more than 60%. That could means tens of thousands in Social Security Benefits. But that's not all.
How old will be you be in 2033? What is your life expectancy from 2033? 2033 is the year that Social Security is expected to burn through its portfolio of United States Treasury bonds and may be forced to cut benefits to about 70% of the current level.
A structured settlement can be used as insurance against a possible reduction social security payments starting in 2033. Here's how:
(1) Structured settlement payments to match up to Social Security payments you would receive from your desired start year to age 70.
(2) Structured settlement payments starting at age 70 for "insurance" to make up the 30% gap should the benefits be cut.
Click for more information on Structured Settlements for Seniors and Settlement Planning for 60+
John Darer reviews qualified assignment best practices. It starts with an understanding that a qualified assiignment is an "assignment of a liability to make periodic payment as damages" of the charactaer described in IRC 130(c) and IRC 104(a)(2) or IRC 104(a)(1)
John Darer reviews Weiss ratings. Weiss ratings became the first insurance rating organization to issue independent financial strength ratings for life and health insurance companies.
The Allure of "Convenience" is a Tax Trap . QSF Qualification is not a single moment in time, but rather a continuing obligation to operationalize all the requirements, as well as those required for creation.
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).
It bears remembering that, prior to 1975, children in the USA with intellectual disabilities, physical disabilities and even sensory disabilities were not guaranteed access to a public education.
"All payments From a Structured Settlement Are Guaranteed" ?
Does a Structured Settlement Have a Free Look Period like Life insurance? The Shocking Misleading Answer Provided by AI.
Invalidation of Structured Settlement Arrangements Under IRC § 130. If the QSF loses its status due to revocation/ termination of the governmental authority’s continuing jurisdiction, any structured settlement arrangements pursuant to IRC § 130 become null and void.
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
