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+
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
