February 17, 2018

FAQs for Attorneys

How do I know a Structured Settlement is financially secure for my client?
By securing a future stream of income, Structured Settlements protect claimants from dissipation of income. Proceeds from the settlement are invested into Structured Settlement annuities in order to accrue interest on a tax-free basis.

When structuring a settlement, we only works with insurance companies that are highly-rated by rating agencies such as: Standard & Poor’s, A.M. Best, Moody’s Investors Service and Fitch Ratings. Each of these insurance companies is subject to financial compliance and regulations set forth by the CA Department of Insurance. By regulation, insurance companies must hold annuity reserve funds in correspondence to their payment obligations. Any assets used to support such reserves cannot be sold or disposed of, thus meeting contractual obligations to policyholders.

When should I consider a Structured Settlement for my client?
A Structured Settlement should be considered in any injury case involving punitive damages, personal physical injury, workers compensation, cases involving minors and/or medical malpractice. With over 15 years of experience, we work with attorneys and clients in California in order to construct portfolios for individuals who expect to receive a settlement from their case. The abundance of money can sometimes cause a person to not act how they normally would and he/she might be tempted to go on a shopping spree.

If you are concerned about your clients’ ability to handle a vast amount of money than a Structured Settlement is suitable for your client.

Can attorney fees be fit into the structure of the settlement?
Yes. Attorney fee structures can be included in cases that have unspecified value at inception but will be paid upon settlement.

Is there a minimum/maximum settlement amount that would necessitate a structure?
There is a small minimum of $10,000 and no maximum settlement amount required to arrange a Structured Settlement, thus it applies to a wide variety of injury cases. When most people hear the term “Structured Settlement,” they assume that the settlement amount is for hundreds of thousands of dollars, and even millions. Surprisingly this is not always the case, as our settlements can range anywhere from $10,000 to $1,000,000 or more. Structured Settlements can be arranged as long as the plaintiff has not yet received compensation or signed a release indicating their waiver of right and all parties agree to establish the future periodic payments.


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