Structured Settlements (Employment & Other Claims)

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Employment Cases

• Structures in employment cases allow all parties to avoid wasted time and extra expense. 

• Tax breaks for the plaintiff make offers more apt to be accepted. 

• The highest real benefit per settlement dollar provides more guaranteed benefits for the plaintiff  and savings to the defendant. 

• Significant tax advantages for plaintiff.

• Both parties experience closure sooner.

 

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Long Term Disability Cases

Benefits for Claimant:      

• Payments guaranteed with a major insurer.

• Leverages greater benefit payments with medical underwriting.

• The highest real benefit per settlement dollar provides more guaranteed benefits for the plaintiff  and savings to the defendant. 

• Significant Both parties receive tax advantages for claimant..

• Both parties experience closure sooner.

• Benefit payments continue even if claimant is able to return to work.

• Benefit payments continue after death.

• Availability to designate anyone as beneficiary.

 

Benefits for Defendant/Insurer:

• Reduces costs without reducing benefits using medical underwriting.

• Releases reserves by passing the risk to a third party.

• Eliminates ongoing administrative costs. 

 

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Non-Bodily Injury Claims

Reducing taxes by deferring compensation over time allows the plaintiff to generate triple deferred interest. It’s earned on principal, accumulating interest and taxes deferred at settlement.

 

The defendant can take a deduction for the cost of settlement in the year of settlement and has no responsibility to guarantee the future performance of the life insurance company that issues the annuity.

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Punitive Damages

The defendant benefits from a full deduction for the cost of settlement in the year it takes place while still allowing the plaintiff to defer taxation over time.