United States, according to the National Structured Settlements Trade Association (NSSTA). In 2001, life insurance members of NSSTA wrote more than $6.05 billion of issued annuities as settlement for physical injury claims. This represents a 19 percent increase over 2000. A structured settlement is the dispersement of money for a legal claim where all or part of the arrangement calls for future periodic payments. The money is paid in regular installmentsùannually, semi-annually or quarterlyùeither for a fixed period or for the lifetime of the claimant. Depending on the needs of the individual involved, the structure may also include some immediate payment to cover special damages. The payment is usually made through the purchase of an annuity from a Life Insurance Company. A structured settlement structure can provide long-term financial security to injury victims and their families through a stream of tax-free payments tailored to their needs. Historically, they were first utilized in Canada and the United States during the 1970s as an alternative to lump-sum payments for injured parties. A structured settlement can also be used in situations involving lottery winnings and other substantial funds. How a Structured Settlement Works When a plaintiff settles a case for a large sum of money, the defendant, the plaintiff's attorney, or a financial planner may propose paying the settlement in installments over time rather than in a single lump sum. A structured settlement is actually a tradeoff. The individuals who were injured and/or their parents or guardians work with their lawyer and an outside broker to determine future medical and living needs. This includes all upcoming operations, therapy, medical devices and other health care needs. Then, an annuity is purchased and held by an independent third party that makes payments to the person who has been injured. Unlike stock dividends or bank interest, these structured settlement payments are completely tax-free. WhatÆs more, the individualÆs annuity grows tax-free. Pros and Cons As with anything, thereÆs a positive and negative side to structure settlements. One significant advantage is tax avoidance. When appropriately set up, a structured settlement may significantly reduce the plaintiff's tax obligations (as a result of the settlement). Another benefit is that a structured settlement can help ensure a plaintiff has the funds to pay for future care or needs. In other words, a structured settlement can help
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theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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1785Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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childrenGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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1862Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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