Personal Injury Cases
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To prevent premature
exhaustion of funds
through poor investments
and /or mismanagement of
assets |
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To guarantee funds
for long-term medical
needs |
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Temporary or
permanently disabled
injured parties |
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Guardianship cases,
including minors and
incompetents |
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Death cases where
the surviving spouse may
need monthly or annual
income |
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Severe injury,
especially shortened
life expectancy, and the
mentally disabled |
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Deferred payments
for college funds,
retirement, mortgage
payments and attorney
fees
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Example of Deferred
Payments: |
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SETTING UP RETIREMENT AND
COLLEGE FUNDS
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Here's an example of a
structured settlement that will
provide the injured party, a 40-
year-old male, with lifetime
monthly income in addition to a
retirement fund and four years
of college tuition for his
child. All of the money from
this structured settlement is
tax free, and it is guaranteed
for life without the risk and
worry associated with investing
cash.
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| BENEFITS |
Benefits/Normal Life
Expectancy |
Benefits Guaranteed |
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Tax-Free Lifetime Monthly
Income
$1,500 per month for life,
guaranteed for 360
months
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$645,000
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$540,000 |
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Tax-Free Retirement Fund
at Ages 55, 60 and 65 |
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Guaranteed payment
of $50,000 in 15 years
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$50,000 |
$50,000 |
Guaranteed payment
of $100,000 in 20 years
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$100,000
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$100,000 |
Guaranteed payment
of $200,000 in 25 years
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$200,000 |
$200,000 |
Tax-Free College Tuition
$25,000 per year, guaranteed
for 4 years only,
beginning in 15 years
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$100,000
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$100,000 |
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| Total Benefits: |
$1,095,000 |
$990,000 |
ANNUITY: $348,561
TAX-FREE INTERNAL RATE OF RETURN
7.17%
TAXABLE EQUIVALENT YIELD 10.40%
(ASSUMED TAX RATE 31%)
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NOTE: Investors assume the risks
associated with their
investments during both stable
economic conditions and volatile
times, while structured
settlements provide guaranteed
future periodic payments, often
for life, with no ties to market
fluctuations, inflation, etc. Why
should injured parties risk
losing all or part of their
settlements that will be needed
in the future, when making the
most of a settlement with
tax-free guaranteed annuity
payments is safe and easy?
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Workers’ Compensation
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Most workers’
compensation cases
should be considered |
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When applicants are
on Medicare
- Medicare Set-Aside
Allocations |
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Long-term permanent
disability cases
- (Six year or older are
ideal.) |
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When there is a
dispute as to
compensability |
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Death claims with
minor dependents |
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When the majority of
the settlement is for
future medical care |
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To offset Social
Security benefits |
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Cases which cannot
be settled |
Medical Malpractice Cases
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The
doctor, if his or her actions
deviated from generally accepted
standards of practice; |
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The
hospital for improper
care or inadequate
training, such as
problems with
medications or
sanitation; |
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Local,
state or federal
agencies that operate
hospital facilities. |
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Note:
Structured settlements should be considered in all of these cases, but especially in those involving minors, incompetents, and injured parties requiring long-term medical care and support.
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Click here to view a real-life story
about medical malpractice cases. |
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Construction Defect Cases
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Class
action claims where the H.O.A.
is the plaintiff are excellent
candidates. |
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Anytime
the multiple plaintiffs repairs
will be made over several years. |
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When
warranty issues on repaire or
products are an issue. |
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Tax
deferred annuities for cases
involving discrimination,
wrongful termination, property
loss (construction defect),
divorce, sexual harassment and
environmental cleanup.
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