What You Need to Know

Settlements 101

What you Need to Know

About Structured Settlements and Settlement Planning

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Settlements 101

What is Settlement Planning?

Settlement Planning is a comprehensive holistic approach to helping plaintiffs and their counsel move through the financial transition resulting from a major life event. The financial planning decisions that must be made are unique to each person and transition event. This requires experience, patience, empathy, the ability to break down complexity, to educate through a humanistic process.  Our approach to settlement planning balances the personal and the technical, using Sudden Money® financial transition protocols and tools. This requires training,  experience, patience, empathy and the ability to educate. 4structures.com LLC's John Darer is one of only two Certified Financial Transitionists in the settlement planning space in 2024.

What is a Structured Settlement?

       A structured settlement is a way to resolve lawsuits or claims, that offers payees customized stable income, a high degree of certainty and tax benefits, a combination that other investment vehicles cannot. A structured Settlement is an innovative negotiating tool, which, if effectively used, provides significant benefits to all parties in litigation. More details inside.

Tax-free Structured Settlement vs. Taxable Structured Settlements

      Structured settlement payments are income tax-free if payments are for damages that are excluded from gross income under IRC §104(a)(1), IRC §104(a)(2) or IRC §139F, Claimants and Plaintiffs only have a short time window to take advantage of this longstanding tax break and constructive receipt must not have occurred. 

How Structured Settlements Work

     How do structured settlements work? The structured settlement process explained in three concise bullet points and a very helpful structured settlement flow chart.

Rated Ages and Structured Settlement Cost

     What is a Rated Age or Impaired Risk Rating? How does a rated age affect the price of a structured settlement annuity? How do plaintiffs and/or defendants benefit by obtaining rated ages?

Your Structured Settlement
What Types of Structured Payments are Possible?

     There are many types of structured settlement payments that can be incorporated in a single structured settlement annuity contract. Most important is providing a stable predictable income solution to meet your known  and predictable needs. We can customize virtually any type of structured settlement payment or even a stream of many different structured settlement payments to meet your needs in one or more structured settlement contracts with more than one insurance company.. Find out more details in here.

How Do Structured Settlements Compare

 to Other Investment Alternatives?

 Don't jump to conclusions without a full understanding of your options, the risk and your ability to tolerate risk and the history. It may be different than you think.  Click and take a look. You owe it to yourself or your client to understand the issues. It's a life impacting and often personal and emotional decision. In here you will find a discussion of how structured settlements compare to other investment alternatives. 

Treasury Funded Structured Settlements

Tax-exempt or tax deferred structured settlements funded with United States Treasury Obligations can provide claimants with a greater degree of security than annuities for those that are most conservative. 



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Last updated December 17, 2023

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