Stauber Associates works with you to determine your current and future needs, then sets up the appropriate structured settlement.  For more information contact us&or call (215) 255-5747.

A structured settlement is a tax-free method for families to accept compensation in a wrongful death or physical injury case. Unlike a lump-sum settlement paid all at once, families who choose a structured settlement receive a stream of guaranteed payments, usually at a much higher return. Federal law regulates how structured settlements are established, and funds come from a financially secure source, such as an insurance annuity.

Call us at (215) 255-5747 or contact Stauber Associates to learn more.

Federal and state laws allow proceeds from an injury lawsuit to be placed in a special trust for the victim’s benefit. This allows the injured victim to maintain eligibility for government benefits, such as Medicaid. Special needs trusts that are funded by a structured settlement provide excellent security while increasing the value of the overall settlement.

• All payments to you are tax free.
• You’ll receive guaranteed payments at pre-determined times, ensuring regular income.
• Payment schedules can be designed to suit your specific needs.

• Payments can begin immediately or at a specific time, such as when you retire or have children in college.
• Payments can be made monthly, quarterly or annually.
• Payments are often scheduled for a specific length of time.

• Lump-sum payments that you invest yourself are subject to substantial tax liabilities and brokerage fees. Structured settlement payments are tax free and require no fees or expenses.
• Stocks, bonds and CDs are typically subject to the risk of market fluctuations and possible loss. Structured settlement payments are guaranteed.
• Structured settlements provide a rate of return that other investments typically can’t match.

Claims must involve a physical injury. A structured settlement makes good financial sense when:

• A claimant can benefit from a deferred, planned income.
• The situation involves children, widows or the severely injured.
• Total or partial earnings need replacement.
• Supplement income is needed for retirement, for future medical expenses or for funding a college education.

The Periodic Payment Settlement Act of 1982 encourages the use of structured settlements. In 1997, Congress approved legislation to promote structured settlements for workers’ compensation cases. And in 2002, President Bush signed legislation containing important consumer protections that further benefit structured settlement recipients.

Absolutely. Having us present can maximize your settlement, ensure your paperwork is completed properly and help answer any questions or concerns.

No. Structured settlements funded on fixed annuity contracts are guaranteed not to change, no matter what happens with interest rates or the stock market.