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What is a Structured Settlement?

What is a Structured Settlement?

A structured settlement annuity is a voluntary agreement between a  personal injury or wrongful death claimant and the defendant in the resolution of a case where all or a portion of the settlement funds are paid in the form of future periodic payments. A structured settlement is generally funded through the purchase of an annuity contract from a highly rated life insurance company. 

Structured settlements can be tailored to the financial, tax, living and medical needs of plaintiffs and their families and may include the following:

  • Up Front Cash

    Funds to cover short term medical expenses and immediate living expenses.

  • Medical Expense Annuities

    Payments to cover the predictable future medical expenses.

  • Income Annuities

    Payments to provide income or lost future income of a plaintiff.

  • Special Account Annuities

    Payments "ear marked" for a mortgage payment, home remodeling, vehicle, scholarship fund, etc.

  • Education Annuities

    Payments to provide for the cost of tuition, room & board and school expenses.

  • Retirement Fund Annuities

    Income tax-free or tax-deferred payments to provide a predictable income stream payable for a certain period of time or for the life of the plaintiff.

Plans may include weekly, monthly, quarterly, semi-annual or annual payments for a short period of time or for the life of the plaintiff. Payments can be level, include a cost of living adjustment (COLA) from 1% to 5% and provide guaranteed lump sum payments.

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