STRUCTURED SETTLEMENTS

When a victim of personal or workplace injury receives a settlement from a lawsuit, they have the option of utilizing a structured settlement. A structured settlement is a negotiated, tax-free lawsuit settlement disbursed to a claimant through set payments. Only personal injury victims are eligible for structured settlements. The settlement agreement governs the terms of the settlement, and the annuity contains the amount the victim will receive over time.

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CSS provides a free consultation with Plaintiff and Attorney to review your settlements options & benefits. Our professionals provide guidance on an individual case-by-case basis.

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We offer guidance for a variety of options, including fixed & market-based structures along with trusts to protect public benefits. Our team will provide assistance with release language, court approval documents, and rate shopping.

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What is a Structured Settlement?

When a victim of personal or workplace injury receives a settlement from a lawsuit, they have the option of utilizing a structured settlement. A structured settlement is a negotiated, tax-free lawsuit settlement disbursed to a claimant through set payments. Only personal injury victims are eligible for structured settlements. The settlement agreement governs the terms of the settlement, and the annuity contains the amount the victim will receive over time.

In the United States and Canada, structured settlements have been implemented since the 1970s, and laws have been adopted at both the state and federal levels, providing for specific structured settlement laws and statutes. Most of the structured settlement laws are contained within the Internal Revenue Code, which is at the federal level. They have become a common alternative or addition to lump sum payments since the 1970s, primarily because:

Structured settlements are a guaranteed flow of income through the agreement term, commonly spanning years.

Gains from structured settlements are tax-free.

Fixed structure payments cannot be affected by the changes in the stock market.

In the event a recipient dies, structured settlement payments can be deferred to a beneficiary.

There are many options when considering a fixed or market-based structured settlement Contact our experienced planners today for a free consultation.

"I was involved in a settlement on a wrongful death suit. My attorney put me in contact with Marci Gordon to help explain what steps could be taken in the distribution of the money. Due to the nature of the settlement, both of my sons would also be receiving money from it. She helped me navigate the ins and outs of where mine and their money could go and how much it would be making for us down the line. Her expertise was greatly appreciated and I would recommend her to anyone looking to increase their financial status in the future."