A structured settlement is a resolution in which a claimant receives payments over time, often through an annuity, rather than as one lump sum. The stream is a financial asset that can sometimes be sold, subject to court approval and protective statutes.
Structured payments are common in personal injury and similar matters. They tailor the recovery to a claimant's needs and can carry tax advantages, and they fix the defendant's payment obligations at the time of settlement.
A secondary market exists in which a claimant sells future payments for cash. Protective statutes usually require disclosure, independent advice and judicial review, and the discount rate applied is a central feature of the transaction.
A structured settlement is not an advance against a pending case. It is the resolution of a case, with payment terms attached.
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