Structured settlements expert John Darer reviews the latest structured settlements news and information and provides expert opinion and commentary, including settlement planning issues/ ideas for settlement management, incisive Structured Settlement Watchdog® commentary that may be helpful to lawyers, plaintiffs, claims adjusters, judges, the news media, sellers and buyers of structured settlement receivables,and interested others. The style is spicy, informative, irreverent and effective. The most prolific structured settlements blog, Now in 19th Year! Check back daily for something new.
Premiums, excluding pension risk transfers, adjusted premiums, fees and other revenues were $669 million, up 43 percent, primarily driven by strong structured settlement sales and growth in UK longevity reinsurance.
MetLIfe issues structured settlements through Metropolitan Tower LIfe Insurance Company and Metropolitan Life Insurance Company and structured judgment annuities thorugh Metropolitan Life insurance Company. MetLife Structured Settlements has had a very strong social media presence in the last 12 month. MetLife has clearly ramped up efforts to create more awareness for its non qualified structured settlement products
On March 1, 2023, an Arkansas appeals court reversed a lower court decision permitting a worker injured in Afghanistan to transfer structured settlement annuity payments in a workers compensation case to take advantage of a lump-sum payment discount, ruling the transfer was prohibited.
In Metropolitan Tower Life Insurance Co. v. Roosevelt Land Partners Corp., the Arkansas Court of Appeals ruled that a lower judge erred in allowing Donald Hill’s attempted transfer of his structured settlement payments because it would violate the Longshore and Harbor Workers’ Compensation Act. "We hold that Hill’s attempted transfer of his structured settlement payments would contravene 33 U.S.C. § 916"
What is the Longshore and Harbor Workers Compensation Act?
The Longshore and Harbor Workers' Compensation Act (LHWVA) 33 U.S.C. Sec 901-950 is federal workers compenstaion law enacted in 1927. Initially, it mandated coverage to employees injured on navigable waters of the United States. It was later extended to mandate coverage be provided to certain "maritime" workers, including most dock workers and maritime workers not otherwise covered by the Jones Act. In addition, Congress extended the LHWCA to cover non-appropriated fund employees (i.e. certain MWR and AAFES employees), Outer Continental Shelf workers and U.S. government contractors working in foreign countries under the Defense Base Act.Source: Department of Labor
The Donald HIll Settlement
Donald Hill had reached a settlement with his employer, private military contractor Dyncorp International, and Dyncorp’s insurer, Continental Insurance Co., which resulted in qualified assignment to MetLife Assignment Company, Inc., and a structured settlement annuity being purchased by MetLife Assignment Company, Inc. from Metropolitan Tower LIfe Insurance Company.
The Disputed Structured Settlement Transfer
Donald Hill sought to transfer his payments to Genex Capital Corp. for a discounted lump-sum payment. Genex Capital assigned its interest to Roosevelt Land Partners.
MetLife objected to Roosevelt’s transfer application, arguing it was prohibited by the LHWCA, Mr. Hill’s 2019 settlement agreement, and MetLife’s annuity contract
Roosevelt Land Partners argued the transfer was not prohibited since payments were not “due or payable” under the LHWCA.
In August 2020, a trial judge approved the transfer to Roosevelt Land Partners, finding it didn’t violate federal law because the payments from MetLife were not “due or payable” under the LHWCA.
MetLife argued the LHWCA prohibits the assignment of payments or benefits, but its petition to vacate the decision was denied, and MetLife appealed.
The appeals court ruled the settlement arose from claims under the LHWCA due to work injuries, and the settlement specifically provided MetLife as the entity with the “obligation to make the future payments” to Mr. Hill.
It reversed the lower court’s approval of the transfer and remanded the case for further proceedings.
Cite as 2023 Ark. App. 105 ARKANSAS COURT OF APPEALS DIVISION III No. CV-20-744 METROPOLITAN TOWER LIFE INSURANCE COMPANY AND METLIFE ASSIGNMENT COMPANY, INC. APPELLANTS V. ROOSEVELT LAND PARTNERS CORP. AND DONALD HILL APPELLEES Opinion Delivered March 1, 2023 APPEAL FROM THE CLARK COUNTY CIRCUIT COURT [NO. 10CV-20-78] HONORABLE BLAKE BATSON, JUDGE REVERSED AND REMANDED
The LHWCA Settlement and the LHWCA Terms Rider were signed by Hill on February 6, 2019, upon the settlement of his work-related injuries pursuant to § 8(i) of the LHWCA. In the LHWCA Terms Rider, the insurance carrier agreed “to pay or cause to be paid”upfront cash and future periodic payments for Hill’s work-related injuries. The LHWCA Terms Rider contained anti-assignment provisions, which stated"
No payee shall have the right to accelerate or defer the Periodic Payments; receive the present discounted value of the Periodic Payments; have any control of the investments or funds from which payments are made; have any right to increase or decrease the Periodic Payments; change or modify the manner, mode or method of meeting any of the Periodic Payments or discharging any obligations set forth in this agreement; have the power to sell, mortgage, encumber, or anticipate the Periodic Payments, or any part thereof, by assignment or otherwise.
2022 San Antonio Court of Appeals Nixes Transfer of LHCRA Structured Settlement Payments to Genex
The Texas Civil Justice League reported in August 2022 that the San Antonio Court of Appeals blocked the transfer of a structured settlement under the Longshore and Harbor Workers’ Compensation Act (LHWCA) to a factoring company, Genex Corporation (sic).
In Re Great Plains Management Corporation (No. 04-21-00110-CV) arose from the injured worker’s assignment of future payments of a lump sum settlement agreement approved by the U.S. Department of Labor to Genex.
Construing Pennsylvania’s Structured Settlement Protection Act, which closely parallels Texas, "the court found that the plain language of the LHCRA prohibited assignment of benefits or compensation, “either being paid or owed in the future.” The court of appeals agreed: the transfer of the worker’s right to receive a lump sum payment in 2025 violated the LHCRA. For that reason, the trial court improperly approved Great Plains’ application on the basis that it contravened an “applicable statute or an order of any court or other governmental authority” (§141.004, CPRC)".
Insurance groups that include current and former structured settlement annuity issuers represent more than 43% of the largest life insurance groups in the United States.
Prudential (1)
MetLife (2)
New York Life(3)
Massachusetts Mutual Life (4, former structured settlement annuity issuer)
AIG Life & Retirement (6, soon to be Corebridge Financial)
Lincoln Financial (8, acquired Liberty Life of Boston structured settlement block, reinsured by Protective Life, #26)
John Hancock (10)
Brighthouse Financial (15, includes legacy Travelers Insurance Company/ legacy MetLife Insurance Company of CT structures)
Pacific Life (16)
Athene (19, includes former Aviva, CGNU and CGU Life structured settlement business)
Talcott Resolution (21, formerly known as Hartford Life)
Protective Life (26, reinsurer of Lincoln Life of Boston structured settlement business-formerly Liberty LIfe of Boston)
Genworth (30, roll up and spin off of First Colony, American Mayflower, GE Capital Assurance Company, GE Capital Life Assurance company of NY)
Structured Settlement Industry at "Half Time" 2019
After returning to $6 billion in production in 2018, structured settlement industry production for the first six months of 2019 was $3,062,569,865 in premium
Stable income is sexy
for structured settlement annuities Leading at half time were MetLife (Metropolitan Tower Life Insurance Company and Metropolitan Life insurance Company), Pacific Life Insurance Company (including Pacific Life and Annuity Company for New York structured settlement quotes) and Berkshire Hathaway (which includes Berkshire Hathaway Life Insurance Company of Nebraska, First Berkshire Hathaway Life Insurance Company and National Indemnity Company for reinsurance structured settlements. Prudential Insurance Company of America and USAA Life Insurance Company round out the top 5 at half time.
Some of the ways structured settlements can be used
Provide guaranteed safe and secure income streams
Provide a strong and stable foundation for plaintiff's settlement planning.
Can match up with known needs and provide a stable foundation for young adults, young families, optimistic people who want to delay the start of social security and get higher payments.
Multiple payments streams can be customized and issued in a single contract, or in multiple contracts across multiple companies for diversification.
By all accounts, 2018 was the best production year for the structured settlement industry primary market for a decade. Here are the highlights:
Total premium $6,019,384,091. That was an increase of 8.45% over 2017.
Three insurers received in excess of $1B in premiums
Prudential did just under $1B, tripling 2017 production.
USAA more than doubled its 2017 production.
Leading underwriter Berkshire Hathaway, which had a dip in 2017, returned to its customary level.
The number of cases structured increased by 4.27%, the best since 2013 and the second best increase in the last decade.
Numbers are even more impressive given the few hurdles straddled in 2018
These results are quite a statement given that a major player in the non qualified structured settlement market Liberty Life Assurance Company of Boston ceased writing in February 2018. Liberty represented more than $522M in premiums in 2017.
Metropolitan Tower Life Insurance Company, which began offering a non qualified structured settlement solution in January picked up some of the slack. More good news to come later this year when Met rolls out a structured installment sale funding solution.
The "agita" over Berkshire Hathaway's good faith attempt to look after consumers with its Hardship Exchange Program turned out to be a tempest in a teapot.
The AIG Structured Settlement Class Action, which was dismissed with prejudice in September 2018 was a complete non factor despite the best efforts of a few would be "saboteurs" from within the industry and without. While the plaintiffs have appealed, the plaintiffs appeal is as unimpressive as original complaint and the amended complaint.
If any year proved the value of structured settlements it was 2018. The stock market achieved a schizoid level of volatility. Such times makes people appreciate the advantage of "going with the flow". The structured settlement flow.
MetLife, Inc. announced in January 2018 that it intends to merge two subsidiaries Metropolitan Tower Life Insurance Company and General American Life Insurance Company. The surviving brand will be Metropolitan Tower Life Insurance Company, which underwrites structured settlement annuities and this month began to offer non qualified assignments. Metropolitan Tower Life Insurance Company will be re-domesticated to Nebraska from Delaware.
MetLife announced that the merger will streamline corporate and administrative structure, enhancing MetLife's ability to be competitive, flexible and well positioned to meet customer needs.
MetLife issues structured settlements through two subsidiaries, Metropolitan Life Insurance Company and Metropolitan Tower Life Insurance Company.
MetLife will offer a US domiciled non qualified structured settlement option for employment, environmental, breach of contract and other types of taxable damages in early 2018. The underwriting company will be Metropolitan Tower Life Insurance Company. Full details to follow during the roll out which expected in or about mid-January 2018.
Metropolitan Tower Life Insurance Company Structured Settlements
MetLife announced on May 3, 2017 that Metropolitan Tower Life Insurance Company ("MetLife Tower Life"), a Delaware company and wholly owned subsidiary, would become the primary underwriting company for structured settlement annuities. Metropolitan Tower Life was the successor-in-interest to Metropolitan Insurance and Annuity Company ("MIAC)" that was the qualified assignment company used by MetLife structured settlements until about 13 years ago. At the time it was announced April 26, 2005, MetLife stated that "structured settlement annuities in-force and/or issued prior to December 1, 2004 are the responsibility of Metropolitan Tower Life Insurance Company", which held an A+(Superior) rating from A.M. Best as it does today, with a current size category XV. The company is rated Aa3 (High Quality) by Moodys.
Under the qualified assignment program, MetLife Assignment Company Inc., (MACI) is the qualified assignment company. Upon information and belief the MACI facility will be expanded to take on non qualified structured settlement cases. The periodic payment obligations assigned MACI are guaranteed by Met Tower Life under an Evidence of Guarantee. With $4B+ in assets, Metropolitan Tower Life is a considerably smaller underwriting company in terms of assets than Metropolitan Life Insurance Company. It does however have a strong surplus position of 16.5% of general account assets and a Comdex rating of 96, that exceeds Metropolitan Life Insurance Company [Source: Vital Signs].
MetLife has announced the release of its new annuity online portal called “MyBenefits” is now live for all Structured Settlement Annuitants.
MetLife Has a New Online Portal for Structured Settlement Annuitants
Annuitants can log in to the portal to access information on their specific contracts and their payments. MetLife annuitants will now be able to make administrative requests like bank and address changes to keep their account up to date online. MyBenefits also houses a glossary of helpful terms and answers to FAQs.
Details for MyBenefits, including how to register, are provided in the certificate/contract welcome package sent to annuitants
The initial roll out includes contracts issued with numbers beginning with 20XXX, which my sources tell me goes back to November 2015. Additional contracts will be added and the project to include all contracts is targeted to be online by the end of 2017.
Metlife underwrites structured settlement annuities through two underwriting companies: Metropolitan Life Insurance Company and Metropolitan Tower Life Insurance Company
Which New York life insurance companies issue structured settlement annuities to fund New York structured settlements in Bronx, Brooklyn (Kings), Queens, Staten Island (Richmond) and New York (Manhattan), Nassau, Suffolk, Westchester, Orange, Putnam and Rockland Counties in 2022?
New York City Sunset
These insurance companies are the primary issuers of structured settlement annuities for the New York City area to fund NY personal injury, NY medical malpractice, NY wrongful death, auto accident, NY workers compensation settlements and to fund Structured Medicare Set Asides in 2022.
First Berkshire Hathway Life Insurance Company Home Office: Flushing, NY
Metropolitan Life Insurance Company Home Office: New York, NY
Metropolitan Tower Life Insurance Company Home Office: Wilmington, DE
New York Life Insurance Company Home Office: New York, NY
Pacific Life and Annuity Company Home Office: Newport Beach, CA
The Prudential Insurance Company of America Home Office: Newark, NJ
United States Life Insurance Company in The City of New York Home Office: New York, NY
USAA Life Insurance Company Home Office: San Antonio TX (where parties consent to using non admitted carrier)
Cases in surrounding counties such as Fairfield County, CT and Bergen County, NJ would substitute, Berkshire Hathaway Life Insurance Company of Nebraska, Pacific Life Insurance Company and American General Life Insurance Company for numbers 1, 6 and 8 respectively. Please note that a limited number of insurance companies underwrite structured settlements compared to other types of annuities.
For New York cases that go to a structured judgment, pursuant to CPLR Article 50A or Article 50B, the following of the above structured settlement annuity issuers will write annuities to fund 50A or 50B structured judgments:
Metropolitan Life Insurance Company
Pacific Life and Annuity Company
United States Life Insurance Company in The City of New York
The onerous acceleration provision for late payments in Articles 50A and 50B is the primary reason for why only three carriers write structured judgment annuities in New York.
Structured settlement annuities are only offered through appointed structured settlement managing general agencies by their insurance licensed employees, or through affiliated insurance licensed independent agents and brokers.
Current as of July 3, 2022
Note that structured settlements can also be funded with United States Treasury Obligations. Market based options are also available.
Click left or call 646-849-1588 for New York City structured settlement quotes, employment structured settlement quotes, divorce structured settlement quotes, periodic payment reinsurance structured sales quotes for business installment sales and real estate installment
MetLife announced on May 3, 2017 that Metropolitan Tower Life Insurance Company ("MetLife Tower Life"), a Delaware company and wholly owned subsidiary, became the primary underwriting company for structured settlement annuities offered.
Who is Metropolitan Tower Life Insurance?
Metropolitan Tower Life was the successor-in-interest to Metropolitan Insurance and Annuity Company ("MIAC)" that was the qualified assignment company used by MetLife structured settlements until about 12.5 years ago. At the time it was announced April 26, 2005, MetLife stated that "structured settlement annuities in-force and/or issued prior to December 1, 2004 are the responsibility of Metropolitan Tower Life Insurance Company", which held an A+(Superior) rating from A.M. Best as it does today, with a current size category XV. The company is rated Aa3 (High Quality) by Moodys.
The Qualified Assigmment Company for Metropolitan Tower Structured Settlement Annuities?
Under the new program, MetLife Assignment Company Inc., (MACI) will be the qualified assignment company. The obligations of MACI will be guaranteed by Met Tower Life under an Evidence of Guarantee. With $4B in assets, MetLife Tower Life is a considerably smaller underwriting company in terms of assets than Metropolitan Life Insurance Company. It does however have a strong surplus position of 16.5% of general account assets and a Comdex rating of 96, that exceeds Metropolitan Life Insurance Company [Source: Vital Signs]
MetLife says it will continue to offer structured settlement annuities out of 156 year old Metropolitan Life Insurance Company, but will require Home Office quoting
Other companies such as Berkshire Hathaway only do Home Office quoting and it has not been a problem. MetLife has seasoned and reliable quote desk with a blend of long time veterans and a wealth of experience getting it done for its appointed agents and their clients.
MetLife has been a fixture among structured settlement annuity issuers for over 36 years and has continually underscored its commitment to those serving the legal marketplace and their clients.
What is a Structured Settlement? What You Need to Know Structured settlements and what you need to know about them including a helpful introductory video featuring A.M. Best Client Recommended Structured Settlement Expert and Registered Settlement Planner John Darer of 4structures.com LLC
How Do Structured Settlements Work? How Structured Settlements Work How structured settlements work, including 4structures.com LLC's super helpful structured settlement flow chart/diagram showing how structured settlements fit in on the spectrum of settlement planning solutions.
Rated Ages and Structured Settlement Cost Rated Ages for Structured Settlement Annuities present advantages to all parties. Shift the mortality risk to a life insurance company whose business it it is to assess mortality risk to price its life insurance and annuities. Rated ages boost your structured settlement annuity benefit per premium dollar, or your yield on lifetime payments. Rated ages help to reduce the cost of funding a Medicare Set Aside arrangement where a Structured MSA, is being used { WCMSA LMSA or NFMSA].
Top Structured Settlement Annuity Companies 2024 Which life insurance companies issue structured settlement annuities in 2024? A list of current structured annuity issuers, the location of their home offices and their financial ratings from A.M. Best, Moodys, Fitch, Standard & Poors and/or other Tier1 NAIC ratings, with links to their websites and other useful information. Last updated June 14, 2024
Treasury Funded Structured Settlements Treasury Funded Structured Settlements are a settlement option for the most conservative using the OTHER permissible qualified funding asset under IRC 130(d), United States Treasury Bonds in addition to, or instead of, structured settlement annuities. Treasury Funded Structured Settlements can also be used to fund installment sales, also known as structured sales and other non qualified structured settlements.
Compare Structured Settlement IRR to Other Settlement Alternatives Use the Taxable Equivalent Yield chart to help compare the Internal Rate of Return (IRR) of a structured settlement to other alternative or complementary investments. Need help with the chart? Call 4structures.com® LLC at 888-325-8640
Structured Settlement Payments | Types of Structured Settlements 2024 Ways You Can Structure Your Settlement Payments in 2024. With a structured settlement you can have more than one type of payment in a single contract. Different types of structured settlement payments can be customized and combined to meet your needs on a stand-alone basis, or in conjunction with other financial products. Diversify your structured settlement, if you wish, by funding with more than one annuity issuer, with treasury funded structured settlements, index linked structured settlement payments and market based structured .
Structured Attorney Fees for Tax Deferral for Attorney Contingency Fees Structured attorney fees is a financial strategy that offers a unique way to defer taxes for lawyers and law firms. Lawyers CAN structure their legal fees even if the plaintiff doesn't structure their settlement. There are multiple ways to structure your attorney fees, such as capped or uncapped index linked structured settlement annuities where payments are adjusted based on upside changes in the S&P 500 or another index, Trial Lawyers may also use a special deferred pay/deferred compensation arrangement, if market based returns returns are desired with no cap. Plan NOW for year end! Put structured attorney fee expert John Darer® on your settlement planning team in 2024.
Structured Settlement Annuity Company Customer Service Phone Numbers Receiving structured settlement payments from your own structured settlement or inherited structured settlement? You'll like this huge time saver. Click the title for a link to a comprehensive list of customer service telephone numbers that includes both current AND former structured settlement annuity issuers and reinsurers. If you have simple bank or beneficiary changes, or if the insurance company that issued the structured annuity has merged, sold or spun off its block of structured annuity business (e.g. Aviva, Allstate, Transamerica, AEGON, GE Capital, Liberty, CNA, Confederation Life), oran annuity issuer has changed its name and you're trying to track them down. Here you go! The list is regularly updated. Last updated May 20, 2024.
Structured Settlement Quote Lock-Ins | What You Need To Know What does a Structured Settlement Lock-In Mean? How do plaintiffs, defendants and insurers benefit from a structured settlement quote lock in when finalizing a settlement? How does the defendant/insurer/court benefit from using a structured settlement lock-in? Where to be careful when using structured settlement lock ins.
What Are Structured Settlement Annuities? Structured settlement annuities are annuities that can provide one or more customized annuity payment streams in a single contract. Read about structured settlement annuities here.
History of Structured Settlements Tracing the roots of structured settlements history from 1918, when Congress exempted damages for personal injury or sickness from income tax, to the establishment of structured settlements as a core personal injury settlement planning tool to the present day.
What Are Market Based Structured Settlements? Market based structured settlements are an alternative or supplementary structured settlement solution for the plaintiff, attorney or law firm that:
1. Can afford to take some market risk
2. Have discretionary settlement dollars.
Claimants and attorneys alike may find that market-based structured settlements provide the opportunity to receive tax-free income, or tax-deferred income, while enjoying growth potential.
Structured Settlements and Longevity Risk| What Are the Odds? 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 include one or more customized payment streams and types.
Firmwide Qualified Settlement Funds Debunked Firmwide qualified settlement funds have been heavily promoted to trial lawyers, but have been debunked in a detailed analysis in a July 2022 legal opinion a tax partner at the law firm of Faegre Drinker Biddle & Reath, LLP. Trial lawyers and firms who have established Firmwide QSFs or coinsidering establishing a Firmwide QSF should read the analysis as part of their evaluation.
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STRUCTURED SETTLEMENTS 4REAL® Blog Is a Popular Source of Structured Settlement News, Information and Commentary, John Darer Reviews, Settlement Planning News and Financial Solutions for over 18 years,
with a stable readership that seeks credible structured settlement information, John Darer Reviews, commentary and/or opinion about topical issues related to settlement planning, targeted to lawyers, injured persons and their family members, guardians, survivors, judges, magistrates, special masters, mediators, administrators, trust companies, insurance company executives and adjusters, financial advisers, settlement professionals, financial professionals, insurance regulators, government leaders, federal and state law enforcement, buyers and sellers of structured settlement payment rights, the news media and other interested parties.
4structures.com LLC established this structured settlement blog in 2005. John Darer ®, CLU ChFC MSSC CeFT® RSP CLTC, President of 4structures.com, located in Stamford, CT 06902. John Darer is an experienced New York City area structured settlement expert, structured settlement broker, Certified Financial Transitionist, and Registered Settlement Planner. He holds insurance licenses in 45 states, has 41 years financial services experience and 31 years in the structured settlements and settlement planning space.
In his capacity as a investigative journalist and commentator, and professionally, John Darer passionately believes that shining the light on a business practice is both healthy and newsworthy. It is in the best interest of injury victims, their families and their legal advisers, that the settlement planning discussion involve those that are properly trained in the topic, properly informed on the topic and, with respect to structured settlements, properly licensed and/or appointed. It has significant instructional and deterrent value to other practitioners and firms as well as those who may be caught in the cross hairs.
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Last updated July 10, 2024
New York City Structured Settlement Experts Bridge building settlement consultants who collaborate with clients using a humanistic process, providing creative and reliable advice and support for litigating parties and their lawyers with matters in Courts throughout the New York City metropolitan area
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New York Settlement Planning Expert for NY Attorneys and Residents - YouTube New York settlement expert John Darer's comprehensive approach to Settlement Planning helps New York personal injury lawyers and their clients move through the financial transition resulting from a major life event. CPLR Articles 50A and 50B expertise for New York lawyers
New York Structured Settlement Expert Useful information and ideas about structured settlements, settlement planning and litigation recovery managements for New York residents, New York Lawyers and New York judges
New York General Obligations Law §5-1702 The New York Structured Settlement Protection Act imposes mandatory requirements on the defendant or the defendant's legal representative when a structured settlement is created (as part of the resolution of a case)
Structured Settlements v Structured Judgments Often confused by writers on the Internet, but there IS a difference between structured settlements and structured judgments under CPLR Articles 50A or 50B. Find out more...
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Structured Settlement Best Practices Corner
New York Insurance Advertising law requires the full name of the Insurer to be listed along with the city and state of the principal office. Stating that you represent these fine companies using Insurance company logos without the preceding information are also illegal
When it comes to settlement documents it is the ultimate responsibility of the lawyers or claims adjusters who receive input concerning the structured settlement aspects of the documents to actually read the entire document, exercise independent thought and advise their clients properly
Be aware that financial advisors use of testimonials is prohibited or restricted
Most states require that Testimonials represent the CURRENT opinion of the person who made the testimonial. Be prepared to back it up.
Number of States That Prohibit Payment of QSF expenses by licensed agents and brokers
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Comments to this blog are encouraged, welcome and add spice to the interactive nature of blogs. However, the unscrupulous practice by some to deliver comment spam, to connect all manner of unrelated products to structured settlements, detracts from user experience, is NOT tolerated by this author and thus necessitates the practice of comment screening.
Jay J. Sangerman, PLLC A New York and Florida based AV rated estate planning law practice with an emphasis in Supplemental Needs Trusts, which assists attorneys in efficient case settlement though the use of Supplemental Needs Trusts and Special Needs Trusts; and Elder Law
Day Pitney LLP - People - Keith Bradoc Gallant Brad's practice includes traditional trust and estate planning and administration, special needs and disabilities planning, planning for same-sex couples and their families, planning for incapacity, and all types of probate litigation.
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The John Darer® authored Structured Settlements 4Real® blog is the most prolific structured settlement blog, providing information, commentary and opinion since 2005 with over 5,420 blog posts, and counting!
Why Take a Structured Settlement?
A structured settlement offers guaranteed financial security to personal injury victims, wrongful death survivors and their families. A structured settlement involves a customized stream of payments, provides long-term stable tax-free income, for a period of years or a lifetime. Unlike other income annuities. a structured settlement annuity can have multiple payment streams to address multiple needs in a single contract.
London Market Structured Settlements Experts Bridge building settlement consulting using a humanistic process, providing creative and reliable support for London Market Insurers, Lloyds Syndicates, Claims Professionals and Lawyers
New York Structured Settlement Experts Bridge building settlement consultants who collaborate with clients using a humanistic process, providing creative and reliable advice and support for litigating parties and their lawyers.
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NYC 9-11 Health The World Trade Center Health Registry is now the largest registry in U.S. history to track the health effects of a disaster. The federally funded program is information central for first responders and others with health issues from 9-11
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