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 20th Year! Check back daily for something new.
Shawn McCoy of InsideSources directs a fresh attack on New York's past and present administration and New York regulatory agencies for the ultimate demise of Executive Life Insurance Company of New York and the resulting shortfalls to structured settlement payees following the liquidation of ELNY in August 2013.
Among the allegations in the article was that as much as 40% of ELNY's assets were invested in stocks when the New York Liquidation Bureau was working with Credit Suisse, which is more than double what most insurance companies were permitted.
" Insurance Beneficiaries Say New York is Cheating" says the headline in today's Courthouse News . This statement of Greenwich attorney Eddie Stone sums up one initial objective of the shortfall victims, which is to block the granting of judicial immunity to the New York Superintendent, which immunity protects him from answering for the mismanagement of ELNY:
"The most vile part is asking the judge to grant them judicial immunity," Stone said. "I suspect from the data we had that something is not right. They made a $1 billion dollar adjustment to their reserve in 2006, based on a change in assumptions that they could have made in 1992."
Courthouse News Service is a nationwide news service for lawyers and the news media. Based in Pasadena, California, Courthouse News focuses on civil litigation, from the date of filing through the appellate level. Unlike other Internet-based publishers that simply aggregate information prepared by other content providers, Courthouse News states that it publishes its own original news content prepared by its staff of reporters and editors based across the country
ELNY is Executive Life Insurance Company of New York, an insurance company that is in the throes of a liquidation hearing. ELNY was placed in rehabilitation in April 1991 after getting inebriated on junk bonds in the 1980s.
Can anyone else see the macabre sense of irony that "claimants, policyholders, and other interested parties in the affairs of Executive Life Insurance Company of New York "(ELNY"), or their counsel have been invited "to appear and show cause" before the Supreme Court of the State of New York, Nassau County to discuss the "death" of Executive Life of New York on March 15, 2012 ("The Ides of March")?
On his way to the the Theatre of Pompei (where he would be assassinated), Caesar visited a seer who had foretold that harm would come to him not later than the Ides of March. Caesar joked, "The ides of March are come", to which the seer replied "Ay, Caesar; but not gone. This meeting is famously dramatized in Act I Scene II of Shakespeare's play Julius Caesar, where Caesar is warned by the soothsayer to "beware the Ides of March." Executive Life Insurance Company of New York structured settlement annuitants as well as holders of structured settlement payment rights will hope that the financial "greens" they've been expecting have more utility than "Rome-aine" lettuce in a "Caesar Salad" (right).
While Julius Caesar's fate was sealed in 44 B.C. by 23 knife thrusts of a group of conspirators in the Roman Senate, ELNY's fate has (in hindsight) run a gauntlet riddled with "termite mounds of hope" (to wit...see December 2007 announcement by New York official about "agreement in principle" which industry colleague Patrick Hindert ceaselessly reminds us never materialized; the statement by Mark Peters then head of the New York Liquidation Bureau that the 2007 proposed bailout plan"would be cheaper for insurer and avoids the chaos that would come from a liquidation" ) and the "potholes" of regulatory incompetence articulately framed by New York attorney Peter H. BIckford.
Assuming all is approved by those that need to approve it AND the plan is actually executed to perform as proposed, it appears that a majority of annuitants will continue to receive all of their payments. Yet it appears that under the proposed plan, some structured settlement annuitants will eventually have shortfalls that will not be made up.
The ELNY Order to Show Cause is an invitation to appear to be heard "why orders should not be made "
1. Declaring ELNY to be insolvent
2. Converting the rehabilitation of ELNY to a liquidation
3. Appointing the James Wrynn, Superintendent (of Insurance of the State of New York), and his successors in office , as liquidator of ELNY ("The Liquidator").
4. Fixing, as of the date a liquidation order is entered the rights and liabilities of ELNY and of its policyholdlers, creditors, and all other persons interested in the Estate of ELNY
5. Granting the injunctions provided for in Insurance Law section 7419, including enjoining and restraining all persons other than The Liquidator and his "possee" from:
*dealing with, disposing of, or doing or permitting any act or thing that might waste ELNY's assets;
* transacting ELNY's business;
*interfering with this proceeding or with the Liquidator in his possession, contraol or management of ELNY's property, or in his discharge under Insurance Law 74; and if you want to read the rest...
While I know that some members of my trade association have worked hard and engaged in clandestine discussions with officials to try and make things as right as possible for Executive LIfe Insurance Company of New York structured settlement annuitants I make no apologies for my healthy skepticism.
Peter Bickford''s 2004 white paper "Who Protects Us From The Receiver?" contains sharp criticism of the New York Insurance Liquidation Bureau and spoke of a system that had been the subject of at least two significant studies in the years leading up to 2004 that concluded that the system:
lacks essential due process protections
lacks transparency, lacks accountability
lacks supervision or controls
lacks incentives for success
includes incentives to prolong the inefficient management of estataes to the detriment of creditors
In the above cited paper Bickford lamented that once an insurer is placed into liquidation or rehabilitation in New York, the Superintendent has not been compelled to file the same financial statements or actuarial certifications as are required by solvent companies subject to his regulatory jurisdiction The reports filed under this section are minimal summaries that bear little if any resemblance to statutory statements, and do not include any actuarial certifications.
Bickford observed that where in some instances the Liquidation Bureau had filed statements prepared on statutory forms, these statements are not deemed mandatory by the Bureau, are often incomplete or do not follow statutory accounting principles, and lack any regulatory scrutiny or actuarial support.
In Consolidated Edison Company of New York, Inc. v. The Insurance Department of the State of New York, 532 NY Supp.2d, 140 Misc.2d 969 (Sup.Ct., NY County, 1988) the New York Supreme Court held that the New York Liquidation Bureau was not a state agency and therefore not subject to the Freedom of Information Act. Comforting, huh?
Executive Life of New York (ELNY) was taken over in April 1991.
When the New York State Comptroller subsequently sought to audit the activities of the New York Liquidation Bureau and issue subpoenas to New York Liquidation Bureau personnel, the lower court quashed the subpoenas citing Con Ed . Fortunately the New York Appellate Division, First Department, overturned this decision and reinstated the subpoenas concluding in a 3 to 2 decision that the Superintendent of Insurance is a State Officer, and the Liquidation Bureau is therefore carrying out the functions of a State Officer. Hence it is a State Agency subject to audit by the Comptroller. Serio v. Hevesi, 2007 NY Slip Op 01820 (App. Div., 1st Dept., March 6, 2007).
Bickford's "The Insurance Receivership Process in New York" published in 2008-2009 is a highly informative compilation of articles on the subject that at least for its historical perspective, is a must read for those in any way affected by the Executive LIfe of New York situation.
In "What's Wrong With The New York Insurance Liquidation Bureau", R. Mark Keenan, a partner in Anderson Kill Olick, PC provides critical commentary of the New York Insurance Liquidation Bureau and opines how reality juxtaposes with its stated mission.
Keenan's commentary appeared in the Mealey's Litigation Report: Insurer Solvency Vol. 20 #8 ( Dec. 2008).
The commentary was particularly critical of the New York Liquidation Bureau handling the Rehabilitation of the estate of Frontier Insurance Company and is very good read, particularly in light of the impending liquidation of Executive Life Insurance Company of New York, a process that has appeared to have been shrouded in secrecy and subject to a spot of spin doctoring.
Since when do you believe everything a politician says, especially when the statements are made on the campaign trail?
In a recent blog post Patrick Hindert reasons that 3 year old campaign rhetoric of New York Liquidation Bureau appointee Jonathan Bing is something we can hang our hat on when it comes to the fate of annuities payable to certain crippled New Yorkers and others.
"Bing's strong support for, and favorable attitude toward, persons with disabilities (and also therefore, at least potentially, structured settlement victims) are apparent from his responses to a 2008 Questionnaire when he was running for re-election to the New York State Assembly. The questionnaire was compiled and published by the 504 Democratic Club, 'The First Democratic Club in the Country Focusing on Disabled Rights'."
He then goes on to devote a meaningful scroll of "below the fold" space for sound bytes from Jonathan Bing, like some sportswriter with a "hot stove" trade report.
Successful Businessman and 1992 Presidential candidate, Ross Perot, famously denounced Congress for its inaction in his speech at the National Press Club in Washington, D.C., on March 18, 1992. where he said:
This city has become a town filled with sound bites, shell games, handlers, media stuntmen who posture, create images, talk, shoot off Roman candles, but don't ever accomplish anything. We need deeds, not words, in this city. (emphasis ours)
Is that what we are dealing with in Executive Life of New York? To quote Cameron Poe, Nicolas Cage's character in the movie Con Air.
"It's Not All Mai-Tais and Yahtzee"
What I continue to uncover astounds even me, particularly the level of confidentiality, secrecy and lack of transparency. Read the contemporaneous post of Peter Bickford which I commented on the other day. How many structured settlement annuitants will be affected? Is it 5,000; 2,500; 300 or none at all?
I can tell you that the other day I received a call from an annuitant with Executive Life of New York who inherited a structured settlement set up in 1985 for his late mother's damages from an accident. The annuitant had previously sold some payments to Peachtree but is now in need of more cash so he can pay rent. Peachtree said no to the sale of more payments and it was readily apparent that the payments in the new proposed transfer would be for payments beyond 5 years.
The uncertainty about Executive Life of New York is not unwarranted. While it is true that to date, all related Executive Life of New York structured settlement payments have been paid in full, the most recent financial statements for ELNY (as of December 31. 2010) show assets of $905,945,200 compared with liabilities of $2,474,317,342 resulting in a negative surplus of $1,568,372,142. As Hindert says, the 2007 announcement (which we've dispassionately dubbed the "Spitzer Hoopla") of "an agreement in principle", whereby various insurers and guarantee associations apparently had agreed to pay $650 to $750 million to fund future ELNY payments, has never materialized.
Leaving on a positive note, I also spoke to another member of the industry who has reached out to his Executive Life of New York annuitants. He related that his client, who he stated has only one payment left, said "even if there is a shortfall she'd still come out ahead of where she'd be if I had taken the next best offer".
Executive Life of New York news junkies may be interested in two curmudgeonly blog entries about ELNY by Peter Bickford from December 2007. His contemporaneous commentary provides an interesting perspective as to where the fault lies with ELNY.
Peter Bickford, an arbitrator focusing particularly in the areas of insurance and reinsurance operational, regulatory and solvency issues was a major skeptic of the Spitzer hoopla. In addition to being a practicing attorney for over 30 years, he has been an officer of both a life insurance company and a property/casualty insurance and reinsurance facility with line responsibility for its contract and claims operations. In February 2010, Peter Bickford was appointed by New York Superintendent of Insurance James Wrynn as a Special Advisor to the Insurance Department's Working Group on reviving a New York insurance exchange, intended to be a Lloyd's type insurance market in the US.
Lifetime annuities and longevity insurance carry unique investment challenges for life insurers because they may guarantee payments beyond the term of standard investments. For example having to pay lifetime income for a 10 year old girl means a payment duration of more than twice the longest maturity for United States Treasury Bonds. Structured settlement annuities carry particular challenges because of a traditionally long tail that might be stretched by substandard rated age underwriting. To a certain extent a large insurer can lay off its bets if it has a large and diversified block of business. Pardon the macabre actuarial maxim, but when it comes to annuities, those that live shorter lives balance out the risk posed by those who live longer lives. But there's "no where to run...nowhere to hide" when it comes to deferred lump sum payments exceeding 30 years.
20 years ago in April, the Supreme Court of the State of New York Nassau County issued an Order of Rehabilitation against Executive Life of News York ("ELNY"). ELNY's fate potentially affects thousands of structured settlement annuitants whose structured settlements were created prior to the Order of Rehabilitation. It also affects a number of factoring companies and individual investors that have purchased structured settlement payment rights from ELNY structured settlement annuitants from stuctured settlement factoring transactions.
What Does It Mean When An Insurer is in Rehabilitation?
A chief insurance regulator may petition a state court for an order of rehabilitation as a mechanism to remedy an insurer’s problems, to protect its assets, to run off its liabilities to avoid liquidation, or to prepare the insurer for liquidation.
A rehabilitation proceeding is a formal court proceeding, commencing with an allegation by the insurance regulator that the insurer is financially impaired, insolvent or meets another statutory ground for rehabilitation. The insurer is served with a summons. The insurer may respond and must be afforded an opportunity to be heard. When judgment is entered, the losing party may appeal
An order of rehabilitation appoints the regulator as rehabilitator and directs the rehabilitator to take control of the insurer’s assets and administer them under general court supervision. The rehabilitation order may provide the rehabilitator with title to all of the insurer’s assets, books, records, accounts, property and premises, and generally includes an injunction against pending and threatened litigation. The order is typically filed with the court clerk or recorder of deeds so that creditors and the public are put on notice of the rehabilitation.
The rehabilitator usually has the power to act as necessary or appropriate to reform and revitalize the insurer. The rehabilitation order usually suspends the powers of the directors, officers and managers except as the rehabilitator delegates. The rehabilitator usually retains all powers not delegated.
The receiver is charged with implementing the restrictions, limitations and requirements set forth in the order of rehabilitation. The order may prohibit the insurer from writing new business or may severely limit the amount and type of new business written. Similarly, the order may impose significant restrictions or prohibit the renewal of business when the renewal is at the option of the insurer. The order may also require the insurer to modify or even cancel certain managing general agency, Third Party Administrator and general agency agreements. The order may suspend claims payments and halt the transfer of cash or loan values on life insurance contracts. Source: National Association of Insurance Commissioners
The investment climate in the decade preceding the subject Order was one of high interest rates. Some insurers such as Executive Life and ELNY sold policies with projections based on the highest of interest rates (junk bonds). When the junk bonds began to default the companies ran into trouble. The problem is then exacerbated when the long duration investments purchased in the 1980s mature and there are no comparable yields available to match up against the liabilities that the company has taken on, particularly on large deferred lump sum payments.
The Executive Life of New York estate began suffering from a noticeable shortfall in or about 2002, and a 2007 article in National Underwriter (citing official sources) suggested that, if officials did not take action then, projections suggest that the funds of the estate could be depleted in about 12 to 15 years (2019-2022). At the time, as part of a rescue plan, participating insurers and guaranty funds agreed to pay $750 million up front and $2 billion in the future. The National Underwriter article, again citing official sources, said "that the proposed rescue plan should lead to annuitants receiving 100% of their benefits".
Fast forward to 2011. In the interim the ELNY estate has had to tangle with the 2008-2009 financial crisis and falling interest rates which wreak havoc on reinvestment needs. Even though interest rates have risen in the last 4 months, the gap is nowhere near being filled according to the 2009 annual statements. The 2010 statement should be out shortly. Insurance regulations in all 50 states require an annual certification that assets match liabilities.
The operative question: "Will there be ELNY To Pay"? While I feel personally relieved to have never wrote any Executive Life or Executive Life of New York structured annuities or life insurance products, the answer to the question has a wider impact and is one that will have to be dealt with by the structured settlement industry and other structured settlement stakeholders very soon.
"20 years of its life trying to get up that big hill of hope...
"And so I wake in the morning And I step outside And I take a deep breath and I get real high And I scream at the top of my lungs What's going on? And I say, hey hey hey hey I said hey, what's going on?" -adapted from 4 Non BlondesWhat's Up (What's Going On?)
"Life is so strange when you don't know How can you tell where you're going to You can't be sure of any situation Something could change and then you won't know" - Missing Persons Destination Unknown, a 1987 songthat turns out to be clairvoyant.
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 which specializes in assessing mortality risk to price its life insurance and annuity products. 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 2025 Which life insurance companies issue structured settlement annuities in 2025? 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 November 3, 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 2025 In 2025, you can structure your settlement payments in various ways. A structured settlement allows for multiple payment types within one agreement. You can tailor and merge different structured settlement payments to suit your individual needs, either alone or alongside other financial instruments. If desired, diversify your structured settlement by utilizing multiple annuity issuers, treasury-funded structured settlements, index-linked structured settlement payments, and market-based structured options.
Structured Attorney Fees for Tax Deferral for Attorney Contingency Fees Structured attorney fees offer a financial strategy that provides a unique method for deferring taxes for attorneys and their firms. Attorneys can structure or defer their legal fees independently of whether the plaintiff structures their settlement. There are various ways to structure attorney fees, including capped or uncapped index-linked structured settlement annuities with payments adjusted according to the S&P 500 or another index's positive changes. Trial lawyers might also opt for a special deferred payment/compensation arrangement if they seek market-based returns without a cap. As the year-end approaches, consider adding structured attorney fee specialist John Darer® to your settlement planning team for 2025.
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 December 9, 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
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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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John—this (video published 11/2010) is a well done piece. I like the way you always stick to the facts-AM
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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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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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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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