Naruto Shippuuden 55

Structured Settlements - What are they?

Many people have been compensated for injuries sustained in an accident Until 1982, such compensation was usually accomplished by payment in a lump sum. A change in Federal law that year created what are now known as structured settlements, an alternative to lump-sum payments where the injured party receives monthly or annual payments over a period of time.

Naruto Shippuuden 55 (Part 1)


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A structured settlement can offers several advantages over a one-time, lump sum payout. With a structured settlement, the security of long-term income is guaranteed. If the victim is confined to a wheel chair or needs constant bed rest and nursing attention, a structured settlement can make certain that sufficient funds will be in hand to pay for the care. This allows the patient and/or their family to concentrate on health care without having to be overly concerned with the machinations of investing a lump-sum payment.

Structured Settlements allow income to be spread over time, which is safer than a lump sum payment. Studies have shown that some 30% of those who receive lump-sum payments as compensation for accident or injury spend the money within two months, and some 90% have spent the money within five years.

A lump-sum payout must be invested and administered. Unless the victim or their family has experience investing large amounts of money, they will have to hire a financial advisor to handle the sum. Any returns on the invested money are taxable, and there is always the risk of handing the investment to the wrong person and having the money simply disappear due to theft or mismanagement.