Structured settlement expert John Darer® connects the dots for readers with structured settlement news, information and expert opinion, including settlement planning issues/ ideas for settlement management, incisive Structured Settlement Watchdog® reports that may be helpful to attorneys, plaintiffs, claims adjusters, judges, the news media, sellers and buyers of structured settlement payment rights and interested others, The style is spicy, informative, irreverent and effective. The most prolific structured settlement blog, Check back daily for something new.
Structured settlement payments that are payable as damages, within the meaning of IRC 104(a)(2) and IRC 130, are income tax free. Such damages payments are income tax free whether the qualified funding asset is a structured settlement annuity, treasury obligations or an indexed linked structured settlement payment [such as the ILAPA offered by Pacific Life Insurance Company and Pacific Life and Annuity Company (in NY)]
Workers' Compensation Claims (post-August 1997)
Structured settlement payments that are payable as damages, within the meaning of IRC 104(a)(1) and IRC 130, are income tax free. Such damages payments are income tax free whether the qualified funding asset is a structured settlement annuity, treasury obligations or an indexed linked structured settlement payment [such as the ILAPA offered by Pacific Life Insurance Company and Pacific Life and Annuity Company (in NY)]
Structured settlement payments that are payable as damages, within the meaning of IRC 139F, are income tax free. Note that since damages subject to the IRC 139F exclusion are not currently covered under IRC 130, the structured settlement transaction must be done as a non qualified assignment even though the payments will be income tax free.
Employment Settlements [Settlement of Wrongful Termination, Sexual Harassment, Failure to Promote, Gender, Ethnic, Sexual Orientation based lawsuits]
Tax deferred structured settlement payments flowing from a properly drafted release and executed non qualified assignment provided tax breaks for the plaintiff make offers more attractive and there are advantages for both parties.
Long Term Disability Settlements
Tax deferred structured settlement payments flowing from a properly drafted release and executed non qualified assignment provided tax breaks for the plaintiff make offers more attractive and there are advantages for both parties.
Other Non Physical Injury or Physical Sickness Claim Settlements
Tax deferred structured settlement payments flowing from a properly drafted release and executed non qualified assignment provided tax breaks for the plaintiff make offers more attractive and there are advantages for both parties. By deferring compensation over time, plaintiff defers in three ways and effectively earns interest tax deferred on
principal
accumulating interest
the taxes deferred in the year of settlement.
Punitive Damages
Lump sum settlements risk plaintiffs exceeding the Alternative Minimum Tax (AMT) threshold which can, in some cases, be mitigated by spreading the settlement payments over time.
With a qualified assignment or a non qualified assignment the Defendant or its insurer receives a novation of the future payment obligation at the time the assignment is completed.
Alternative news reports that a Pennsylvania annuitant has seen his shadow on the steps of the Schoharie County Pennsylvania Court of Common Pleas and decided not need to cash in his
Nah, i don't think I'll sell my structured settlement
structured settlement . Alternative facts reporter 'Simon Says' has noted that this phenomenon occurs about once a year, usually at the beginning of February. Some Pennsylvania legal observers feel that selling your structured settlement is a "praecipe for disaster"
Representatives of the structured settlement buyer "'One For You, Three for Me Capital" were left "Knobler's Gobsmocked' by the proceedings. Having scraped the court records they are now left "scraping the cage' for few droppings.
Happy Groundhog Day readers! May your structured settlement payments keep providing you stable income over and over AND over.
The stock market of early 2016 has already suffered multiple days of multiple three digit losses, before an up morning. Making money in the stock market takes risk tolerance and discipline. Not everyone has the mentality and intestinal fortitude to lose 10% or more of value in a few days or months.
Structured settlements are a haven in turbulent times. People with structured settlements receive stable, secure guaranteed structured settlement payments that are backed by large well capitalized insurance companies. Five of the life insurance companies currently writing structured settlements have been in business since the 19th Century! Structured settlements provide valuable tax benefits for all types of damages.
New York Life Insurance Company, Metropolitan Life Insurance Company, The Prudential Insurance Company of America, United States Life Insurance Company in the City of New York and Pacific Life Insurance Company have each been in business since the 1800s.
If you like the stock market's yo-yos, you have to watch the video below. Have a thirst for more risk? Try " Yo-Yo Ma". If you want safety, stability and guaranteed income, get a structured settlement.
And if a shady structured settlement buyer in cahoots with a financial adviser, is trying to get you to sell your structured settlement payments for a fraction of their value to buy mutual funds or other investments, watch this video again.
According to the Centers for Disease Control, life expectancy for a man reaching age 65 has increased from 13 years in 1970 to 18 years in 2011. A woman’s life expectancy at age 65 has increased from 17 years in 1970 to 20 years in 2011.
Life expectancy has been increasing for several reasons, according to Robert Anderson, PhD, chief of the Mortality Statistics Branch with the CDC's National Center for Health Statistics. who added, "improvements in heart disease and stroke mortality have had a big impact. That's a large proportion of total deaths and that's where the action really is in terms of improved life expectancy. That's really what's driving the trend."
A recent analysis by the Institute of Medicine suggests that increases in life span in the United States are not matched by increases in "health span" -- time spent living in good health, Katz said.
"A long life with a high burden of chronic disease -- such as diabetes, heart disease and chronic obstructive pulmonary disease (COPD) -- means more time living with illness and disability," he noted.
Structured settlements annuities can provide a "steady job for life" providing stable guaranteed income that is income tax free if paying for damages that qualify under IRC sections 104(a)(1) or 104(a)(2).
With interest rates that naturally fluctuate, a structured settlement lock-in is an important tool to help stabilize the process of placing structured settlement annuities for structured settlement brokers, settlement consultants, settlement professionals and settlement planners. A structured settlement lock-in may offer a significant benefits to claimants, plaintiffs, defendants and insurers alike at the time of case resolution.
A Lock in helps stabilize the structured settlement process
What is a structured settlement lock-in?
A structured settlement lock-in means that the structured settlement annuity issuer will guarantee the cost of a structured settlement providing a specific payment stream in exchange for the "quid pro quo" of a commitment to accept or purchase. The guarantee could be a week or, even a year. It is important to note that it is NOT a rate lock-in, it is the cost for a specific set of benefits. There is an internal rate of return associated with the cost/benefit combination that you are essentially locking in, but you cannot instruct a life insurance company to lock in a rate. You have to submit an illustration to lock-in.
Are the fees for a structured settlement lock-in?
While most structured settlement annuity issuers will lock-in with out charge for 30-60 days, the longer lock ins generally require a rate commitment fee that is typically 0.2% of premium for each 30 days. The reason for applying a fee is that a life insurer has a regulatory obligation to purchase assets to cover its liabilities and they run a risk if the purchase commitment is not honored.
Examples of where a structured settlement lock-in is helpful
To secure the cost of structured settlement payments that must be expressly stated in a petition for Court approval of a settlement for minors or wrongful death action and in all settlement documents.
Protect against downward interest rate fluctuations during the time period between the date that the parties have reached agreement to settle and the date the structured settlement is funded.
Where the Defendant will not fund the structured settlement funding amount prior to receiving all settlement documents, courts orders etc.
Where an unfavorable rate change has been announced by one of the structured annuity companies and the settlement is not likely to be funded prior to that date.
Critical on larger cases where there is often an intricate blend of annuities from different companies as part of an integrated structured settlement plan with more than one structured annuity issuer, where two only do home office daily rate quotes and where daily rates may be otherwise involved.
To increase parties satisfaction with the overall structured settlement process
The potential consequences of no structured settlement lock in:
If the Court takes months to approve a minor's settlement or wrongful death settlement at which time it is possible that the benefits in the petition cannot be funded at the same price. This would require the submission of a new petition for a revised (possibly lower) benefit stream and needless further delays.
The intricate balance of different annuity issuers in an integrated structured settlement plan could be disrupted requiring recalculations and possible re-selling.
You might get lucky and structured settlement rates will move in a positive direction for you between the date that the agreement to compromise is reached and the date that settlement documents are executed (note this difference!). The settlement documents expressly state the specific periodic payment obligation.
If the structured settlement payment stream is composed of deferred periodic payments the wrong guess, if interest rates move in the wrong direction, could be devastating
A Privilege Not A Right!
It's important to note that a lock-in is a commitment.Itis a privilege granted by the annuity issuer. It is not a right. If you are going to gamble then gamble. If you want assurance then lock in. But you must understand that when a lock-in is submitted the carrier has to purchase assets to secure the benefit stream. If the case is not funded the annuity issuer may have to sell the bonds. Holding higher yielding bonds in a downward interest rate environment may not be a problem, but the reverse is true in a generally upward rate environment.
A structured settlement is like a job you can never be fired from
How would you like to have a job that provides you guaranteed income for life without being fired, guaranteed raises and no income taxes? If you're eligible, there are ALOTof openings.
Eligibility for "hire"**
You have suffered a personal physical injury or physical sickness and have filed a claim or lawsuit against a third party; OR
You are on a workers compensation claim; OR
You are a survivor of someone who has died in an air crash, car accident, construction accident, as the result of medical malpractice or a defective product and are plaintiffs in a wrongful death lawsuit or claim; AND
Your lawsuit or claim has not yet settled and you have not executed a release of liability.
Metropolitan Tower Life Insurance Company (since May 2017)
National Indemnity Company
New York Life Insurance Company
Pacific Life and Annuity Company
Pacific Life Insurance Company
The Prudential Insurance Company of America
United of Omaha Life Insurance Company
United States Life Insurance Company in the City of New York
USAA Life insurance Company
If you like, you can actually pick one or more "employers" for even greater "job" security.
You Get to Pick the Percentage that Your Lifetime Income Will Rise Each Year**
Generally from 1-5%. You have to choose when you accept the "job"
Nothing Comes Out of Your "Paycheck"**
No federal, state or local income taxes, FICA or FUTA come out of your income from this "job" under current tax law.
Nobody Will Tell You "You're Fired" At This "Job" **
Unable to handle things as fast as you used to? Don't sweat it. If you elect to take the lifetime "job" when you settle your case, and you don't transfer, you can never be fired.
You can transfer your "job", or part of it, to a willing buyer, but a court judge must approve as being in your best interest and that of your dependents. If you transfer part of your "job" you will have to take a "pay cut".
"Job" Protection in Case You Die To Soon
You can dial a guarantee period of your choice (generally 5-40 years), which can guarantee that the income from your "job" passes to your beneficiaries.
You can name and change beneficiaries, unless you are a minor in which case you simply have to wait until you reach the age of majority in your state.
And For the "Job" Interview...
You Don't Need to Wear A Suit
You Don't Need To Fuss Over Your Make-Up
You Don't Need A Silver Spoon
You Don't Need An Old Boy/Old Girl Network
Come As You Are!
If you want to find out more about this "job" opportunity please contact me at 888-325-8640
**Disclaimer The terms "job"and "employer" are used as metaphors in this context to illustrate the benefit of accepting a structured settlement as part of the settlement of a lawsuit or claim. The "employers" are issuers of structured settlement annuity contracts, life insurance companies that are regulated by the states in which they are licensed. Such companies offer structured settlement annuities only through licensed insurance agents. You would not actually be an employee of any of these companies and would not receive any employee benefits, a W-2 , or a 1099.
Structured settlement payments are income tax free to payees provided that the payments are for damages that qualify under Internal Revenue Code Section 104(a)(2) [physical injury or physical sickness] or 104(a)(1) [workers compensation]. Payments retain their income tax status when paid beneficiaries.
Structured settlements for damages that do not qualify under these sections of the Internal Revenue code offer tax deferral. Payments are generally taxed when received. For example, in an employment setting, structured settlements can be used in legal cases involving sexual harassment, wrongful termination, failure to promote and disicrimination settlements. There is a wide variety of lawsuits and disputes where a non qualified structured settlement can be very helpful in resolving cases.
Work with a credentialed structured settlement advisor to be sure that your structured settlement is established correctly.
My Structure Gave To Me | The Benefits of Structured Settlements
(click on video below to read with soundtrack)
On the 1st day of Christmas my structure gave to me, a lifetime of security
On the 2nd day of Christmas my structure gave to me, 2 lump sums and a lifetime of security
On the 3rd day of Christimas, my structure gave to me, 3 percent increases, 2 lump sums, and a lifetime of security
On the 4th day of Christimas, my structure gave to me, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
On the 5th day of Christmas, my structure gave to me, MY PEACE OF MIND, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
On the 6th Day of Christimas, my structure gave to me, 6 A+ 'comp-nys", MY PEACE OF MIND, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
On the 7th day of Christmas, my structure gave to me, all tax-free payments**, 6 A+ "comp-nys", MY PEACE OF MIND, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
On the 8th day of Christmas my structure gave to me, 8 structured sa-les, all tax-free payments**, 6 A+ "comp-nys", MY PEACE OF MIND, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
On the 9th day of Christimas, my structure gave to me , "Nein" Oba-ma-care, 8 structured sa-les, all tax-free payments**, 6 A+ "comp-nys", MY PEACE OF MIND, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
On the 10th day of Christmas, my structure gave to me, 10 years a-certain, "Nein" Oba-ma-care, 8 structured sa-les, all tax-free payments**, 6 A+ "comp-nys", MY PEACE OF MIND, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
On the 11th day of Christimas, my structure gave to me, 11 streams of payments!, 10 years a-certain, "Nein" Oba-ma-care, 8 structured sa-les, all tax-free payments, 6 A+"comp-nys", MY PEACE OF MIND, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
On the 12th day of Christmas, my structure gave to me, 12 calls from Wentworth, 11 streams of payments!, 10 years a-certain, "Nein" Oba-ma-care, 8 structured sa-les, all tax-free payments**, 6 A+ "comp-nys", MY PEACE OF MIND, 4 years of college, 3 percent increases, 2 lump sums, and a lifetime of security
** for payment of damages excludable from gross income pursuant to IRC 104(a)(1) and IRC104(a)(2)
Your money or your life? How easy is it to deal with a lump sum settlement? An oft cited statistic is that "90% of people have no money left after 5 years" focuses on stereotypical wasteful dissipation.
The failure rate for retirement account withdrawals, when accounts run out of money, using the old "rule of thumb" of 4 percent per year withdrawal rate is as high as 57 percent according to Retiring on CDs Not Viable, by Sheyna Steiner April 17, 2013, for Bankrate.com. Even a 3% withdrawal rate has a more than 20% failure rate for all asset allocations. Steiner observes "... that it may be a very long time before Americans can feel safe in retirement without purchasing a guaranteed income product. She asks "Is this going to be the age of annuities?"
In a fair extrapolation from the retirement study, which appears to be based on a Monte Carlo analysis,
Structured settlement annuity guarantees are an essential part of the settlement recovery to produce core income
Structured settlement annuitants should think long and hard about an aggressive sales pitch from a buyer of structured settlement payments teasing them into a discounted lump sum
4structures.com LLC offers a variety of income annuities and other income planning solutions, which provide contractually guaranteed income backed by some of the largest financial institutions in America.
In addition, the company offers other income protection solutions such as disability insurance, disability ovehead expense plans, disability buyout, key person disability coverage and long term care solutions.
For more information please contact me at 888-325-8640 or cell 203-561-6560
What is a Structured Settlement? What You Need to Know What you need to know about structured settlements. General explanation of structured settlements, including the stable guaranteed income and favorable tax benefits that give structured settlements their "juice" and a helpful introductory video featuring 2021 A.M. Best Recommended structured settlement expert and Registered Settlement Planner John Darer® of 4structures.com® LLC
How Do Structured Settlements Work? Structured Settlement Diagram How structured settlements work, accompanied by 4structures.com® LLC's helpful structured settlement flow chart/diagram showing how structured settlements fit in with other 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].
Structured Settlement Annuity Companies 2021 Which life insurance companies issue structured settlement annuities going into 2021? 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, links to their websites and other useful information.
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 Ways You Can Structure Your Settlement Payments. 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 or even an index linked structured settlement.
Structured Attorney Fees for Tax Deferral for 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 the an index linked structured settlement where payments are adjusted based on upside changes in the S&P 500 with no downside and a cap of 5%. 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.
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 for 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, Transamerica, AEGON, GE Capital, Liberty, CNA) or changed its name and you're trying to track them down, here you go! The list is regularly updated. Last update October 2020.
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.
STRUCTURED SETTLEMENTS 4REAL® Blog Is a Popular Source of Structured Settlement News and Information, Settlement Planning News, Tax Deferral and Deferred Income Planning Solutions,
with a stable readership that seeks credible structured settlement information 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 the structured settlement blog in 2005 and for over 15 years it has been a leading source for critical commentary. The John Darer authored blog has been among the most prolific, regularly providing fresh structured settlement, settlement planning and litigation recovery management content and commentary . John Darer®, CLU ChFC MSSC CeFT® RSP CLTC, President of Stamford, CT based 4structures.com, LLC, is an experienced New York City area structured settlement expert, structured settlement broker, Certified Financial Transitionist, and Registered Settlement Planner.
WHAT YOU GET here is the straight stuff with a touch of irreverence and humor. We hope you enjoy and find the content to be helpful..
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New York Structured Settlement Expert Whether you're at the crossroads of the world or the crossroads of your life, structured settlements provide stability for when life is at a crossroad. Call 888-325-8640
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...
CT Settlement Planning | 4structures.com LLC Video Registered Settlement Planner John Darer discusses the broad array of settlement planning services offered to Connecticut lawyers and their clients living in Connecticut, or elsewhere.
"Impressive Blog" -Counsel to Am Law 200 ranked International Law Firm July 22, 2020
"Thank you so much for giving us your time and leading us in the right path , Thank you, you are a God send , God bless you in all your works" -K April 11, 2017
"Once again, I can't tell you how appreciative I am for your help. In today's day and age, it is rare that you actually find people who are willing to go the extra mile..." -TC May 5, 2015
"I wanted to send you this email to say Happy New Year to you and your family. May God continue to bless you. I am grateful that I had the opportunity to meet you on the phone. I truly thank you for introducing me and my son, (redacted) to (lawyer). It is people like you that God put in the path of my son situation. Thanks a million times! {original on file] 1-2-2015
"John Darer has been nothing but honest,helpful,informative with options, & his
"time" was NEVER an issue!"-Andrew S 8/18/2012
" I wish there were more like you" JG 9-15-2014
In my opinion, John Darer is an excellent consumer advocate in the insurance industry. When I had no one else to turn to after running up against the stone walls of these giant insurance company, John Darer used hours of his own time to investigate my situation. Not only is this an invaluable service to me the consumer but it is also of great value to the insurance industry by providing them consumer feed-back. This allows the insurance companies to correct their faults and move toward greater transparency which improves the overall public image of the insurance industry as a whole" JW 9/4/2014
John, Keep fighting the fight. -NASP member 12-4-2013
John...Thank you for your professional advice-Brandon 11-13-2013
"...Thanks to Mr. Darer's blog and personal pointers I was able to obtain a fair price for the sale of client structured settlement. Therefore, if one has no choice, but to sell their settlement educate yourself first before selling start by reading John's blog" Mr P. 11/17/2012
"I always appreciate when he (John Darer) keeps us informed on regs and rules. No one does it better"- structured settlement industry colleague and reader RY 7/26/2012
"Amen - and continued thanks for your vigilance, John"- RL 8/18/2011
"Thanks for writing these great blogs on your site John! As an individual investor I have learned so much about the secondary market (for annuities, structured settlements, lottery payments, etc.) from your blogs and video series!!!" (6/5/2011)
I have found the intelligent and forthright information on your site a godsend. So much so I have tried in a small way to pass on my findings to others. Please keep up the good work and enhance your well deserved reputation as the authority on this subject- Mike 4/29/2011
John -
I can't thank you enough for bringing this to my attention. In my wildest dreams... PJ-May 12, 2011
John, I love reading your blog! Not only have I found very useful information there, but the comedy is much appreciated! Thanks for talking about "the big pink elephant in the living room" that everyone else ignores!
Thank you again for your help via phone and blog! I really needed to hear what you had to say today! BM 11/23/2010
John—this (video published 11/2010) is a well done piece. I like the way you always stick to the facts-AM
What a wonderful blog you have! I have completely enjoyed reading some of your posts (4/16/2010)
Thank you so very much for discussing my concerns about Symetra, my annuity company. I am amazed that PI attorneys as well as a settlement broker in San Diego, could not answer the simplest questions I had regarding the Safeco/Symetra issue. Your blog/web site is most interesting and informative, and I am grateful you have take on the "watchdog" role!
Thank you so much again (3/25/10)
"Keep up the good work exposing abuses in our industry - our future depends on clients being properly advised."-CD
Just checked out your blog and loved it. Keep up the good and balanced work-DL
"...we have never met but I thoroughly enjoy your web site and blog - excellent material…-PB
"I enjoy your website and its content. Informative and well written"-JC
I heard a radio ad for the Peachtree Settlement Fund as I was driving into work this morning. (San Francisco Bay area.) I decided to check it out on the Internet and came upon your blog. Thank you very much. I do not have a “structured” settlement,
"All the others that I had emailed & have seen on the net were "cash now types" & have no concern of me & just are looking for my $$$. When I came across your site & blog I realized that u are an upstanding guy & are not like others. That's why I emailed"
This was Great. Right On Point-TS
"Other Than John Darer No One Seems To Be Doing Anything"-J
Thanks for your help and also for the good work you do on behalf of our industry-L
"Thank you for being the inspiration that you are and for being a strong advocate for integrity in our business"-KL
"I Commend You On Your Effort To Make a Difference!" -R
"He is a fabulous writer who has a great passion for the structured settlement industry. I commend him on the passion he invokes when he writes on his blog listed above. That type of commitment and passion is hard to find and is rare in this world" -AC
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
All posts Copyright 4structures.com, LLC 2021. All rights reserved. Ongoing filings have been made with the United States Copyright Office. Except for those videos in which John Darer appears or any video advertisements or public service videos appearing on, this blog, no claim is made to videos, music or images in any mashup which are the property of their respective owners
Structured Settlement Watchdog® is a registered trademark of 4structures.com LLC.Reg. 4711312 All rights reserved.
John Darer® is a Registered Trademark of John Darer, Stamford CT. Reg. 4674907 All rights reserved
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Comments and Trackback Policy
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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.
Halland Sickels Frei Mims Hall and Sickels is a full service personal injury attorneys and largest plaintiff's personal injury firms in Northern Virginia
Belluck & Fox, LLP Help with Information about litigation concerning Mesothelioma and Asbestos from New York Law firm
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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.
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