Structured payments do not impact Social Security retirement benefits. Payments are not considered in the calculation of tax on Social Security, as interest from CD s or Muni bonds. Benefits are guaranteed and last a lifetime. Heirs protected by guaranteeing payments . Structured settlements are not subject to the claims of creditors or considered common property in later marriages.
Periodic payments relieve the burden and expense of money management .
Most efficient way to purchase a home, start a business or fund retirement . Structures can provide cash flow to make house payments, start a business while protecting the downside of business failure, and fund a ROTH IRA each year to maintain the tax free earnings. Structure programs can be integrated with a companion investment portfolio . A diversified portfolio includes conservative investments such as those offered through structured settlements. The higher the tax bracket of the individual, or the nearer to retirement, the greater the advantage of the structured settlement.