Can Structured Settlements Stand Up Against Traditional Investments?

There is a gross misconception that structured settlements offer rates of return well below market standards, precluding them from serving as a viable settlement option. In reality, rates of return on structured settlements are very much in line with rates offered by other fixed income investments. Structured settlements produce returns that are net of income…

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Does a Settlement Impact Disability Benefits?

  Disabled claimants may run into benefit issues when accepting proceeds from a personal injury settlement. The acceptance of a lump sum may render an individual ineligible for needs-based government benefits, while entitlement benefits remain intact. When it comes to disability benefits, which is which—and how can a claimant protect their eligibility? SSDI vs. SSI:…

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What is a Pooled Special Needs Trust- and is it the Right Option for Your Client?

If you are an attorney working with a disabled claimant, you’ll want to bring in a settlement planner to review your client’s options. When a disabled individual anticipates accepting proceeds from an injury settlement, certain steps must be taken to help the claimant maintain eligibility for needs-based government benefits (e.g., Medi-Cal, SSI) and preserve their…

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The New Liability MSA Policy: What You Need to Know

For years, plaintiff attorneys and settlement planning professionals have operated under a set of unclear assumptions when it came to liability settlements and future medicals for Medicare beneficiaries.  While the rules are still unclear, the Centers for Medicare and Medicaid Services (CMS) indicated that they are set to make some changes to Liability Medicare Set-Asides…

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Funding an MSA with a Structured Settlement: Here’s Why it’s a Smart Option

There are two main funding options when it comes to Medicare Set-Asides: funding with a lump sum or utilizing a structured settlement. A structured settlement can offer a financial advantage over a lump sum. Keep reading to learn why your clients may want to consider funding their Medicare Set-Asides with structured settlements. Settlements and Medicare…

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Is a Settlement Planner Necessary When Your Client Doesn’t Want to Structure?

A commonly held belief in the legal community is that settlement planners only provide structured settlement services. Unfortunately, that misconception can lead to missed opportunities to protect claimants’ long-term financial security. While we believe that structures are a valuable financial option for most personal injury settlements, not all cases will be the right fit for…

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Which Government Benefits are Affected by a Settlement—and Which Ones Aren’t?

  Last week, the Senate unveiled its new version of the American Healthcare Act (AHCA). The proposed bill includes historically steep cuts to the Medicaid program. But did you know that there are already other circumstances under which an individual may lose Medicaid (Medi-Cal) eligibility—including the acceptance of a lump sum settlement? Whether the AHCA…

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Are Factoring Companies Reaching Your Clients With This New Approach?

You’re probably familiar with the television commercials inviting viewers to sell their structured settlements for “cash now.” Factoring companies like the ones you see on television purchase structured settlement annuities in exchange for lump sum cash payments. Recently, one of our team members noticed a new way that factoring companies are trying to reach your…

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Don’t Believe Everything You Read About Structured Settlements

There is a wealth of information out there regarding structured settlement annuities. Much of it is informational, and with the help of a trusted advisor, claimants involved in personal injury, wrongful death, and workers’ compensation cases can use a structured settlement to preserve their long-term financial stability. Unfortunately, as is the case with almost any…

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