Proceeds from a case involving a child under the age of 18 must be approved by a judge through an Infant Compromise proceeding. The purpose of the judge’s review is to ensure the funds are protected for the child. Funds can be handled in a variety of ways. A family may choose to structure the funds with the assistance of an insurance company who would then provide periodic payments to the child upon reaching a certain age. An annuity structured with an insurance company may allow for some additional investment yield from the funds over time. This is one way to provide for the long-term needs of a disabled child and his or her anticipated future needs. A special-needs trust or qualified settlement trust are also alternative options, as well as upfront cash payments to provide for any immediate needs. An attorney will help you understand your options as well as determine what is the best option for you and your family.