Patrick Farber Structured Settlement Brokers
  • Home
  • News
  • About
    • About Us
    • Patrick Farber
    • Nick Schuetze
    • Patrick McNulty
    • Renee Owens
    • Legal
      • Terms Of Service
      • Privacy Policy
      • FDIC Notice
  • Videos
    • Structured Settlement Videos For Injured Parties – Prudential
    • Structured Settlement Videos – What Attorneys Have To Say
    • Video: Impact of Personal Injury Cases On Product Safety
  • Resources
    • RICHARD A. CHILDS, ET AL., Petitioners v. COMMISSIONER OF INTERNAL REVENUE
    • Record Use Of Structured Settlements, Offering Safety And Returns
    • Resources for Attorneys
      • FAQ for Attorneys
      • Attorney Testimonials
      • Berkshire Hathaway Structured Settlements Brochure
      • Video: Impact of Personal Injury Cases On Product Safety
      • Lawsuits, Awards, and Settlements Audit Techniques Guide
      • Maximizing Workers’ Comp Settlements
      • MetLife Investment Product Comparison
      • MetLife – Structuring an Employment Settlement: A Tax Efficient Solution
      • Met Tower Life Financial Health 2020
      • Protecting Medicare & Medicaid Eligibility
      • Sample Annuity Contracts
      • Structured Attorneys Fees
      • Structured Settlement Tables
      • Taxing Emotional Distress Damages, Settlement Wording
      • MICRA Fee Calculator
    • Resources for Injured Parties
      • Client Testimonials
      • FAQ for Injured Parties
      • Five Questions to Ask About an Insurance Company
      • How An Injury Settlement Can Affect College Financial Aid
      • Investment Product Comparison
      • Structures: Safe, Secure & Regulated NSSTA
      • Structured Settlement Videos for Injured Parties – Prudential
    • Discover Non-Qualified Non-Structured Annuities
    • Structured Installment Sale Video Center
    • Sample Structures
      • Attorney Fee Structures
      • Medical Malpractice
      • Physical Injury
      • Punitive Damages
      • Tax-Deferred
      • Workers’ Comp
    • Structured Settlement Videos
    • Quick Reference Guide
  • MICRA Calculator
  • Sitemap
  • Contact
Patrick Farber Structured Settlement Brokers
RSSTwitterFacebookLinkedInYoutube
  • Home
  • News
  • About
    • Patrick Farber
    • Nick Schuetze
    • Patrick McNulty
    • Renee Owens
    • Legal
      • Terms Of Service
      • Privacy Policy
      • FDIC Notice
  • FAQ
    • FAQ for Attorneys
    • FAQ for Injured Parties
  • Investment Annuities
  • Sample Structures
    • Attorney Fee Structures
      • CHILDS v. COMMISSIONER
    • Medical Malpractice
    • Physical Injury
    • Punitive Damages
    • Tax-Deferred
    • Workers’ Comp
  • Resources
    • Record Use Of Structured Settlements, Offering Safety And Returns
    • RICHARD A. CHILDS, ET AL., Petitioners v. COMMISSIONER OF INTERNAL REVENUE
    • Resources for Attorneys
      • Attorney Testimonials
      • Berkshire Hathaway Structured Settlements Brochure
      • FAQ for Attorneys
      • Lawsuits, Awards, and Settlements Audit Techniques Guide
      • Maximizing Workers’ Comp Settlments
      • MetLife – Structuring an Employment Settlement: A Tax Efficient Solution
      • MetLife Investment Product Comparison
      • Met Tower Life Financial Health 2020
      • Protecting Medicare & Medicaid Eligibility
      • MICRA Fee Calculator
      • Structuring Strategies Beyond Fees
      • Structured Attorneys Fees
      • Sample Annuity Contracts
      • Structured Settlement Tables
      • Taxing Emotional Distress Damages, Settlement Wording
      • Video: Impact of Personal Injury Cases On Product Safety
    • Resources for Injured Parties
      • Client Testimonials
      • FAQ for Injured Parties
      • Five Questions to Ask About an Insurance Company
      • How An Injury Settlement Can Affect College Financial Aid
      • Investment Product Comparison
      • Structures: Safe, Secure & Regulated NSSTA
      • Structured Settlement Videos for Injured Parties – Prudential
      • Structuring Strategies Beyond Fees
    • Discover Non-Qualified Non-Structured Annuities
    • Structured Installment Sale Video Center
    • Sample Structures
      • Attorney Fee Structures
      • Medical Malpractice
      • Physical Injury
      • Punitive Damages
      • Tax-Deferred
      • Workers’ Comp
    • Structured Settlement Videos
    • Quick Reference Guide
  • Calendar
  • Contact

Is Selling Your Structured Settlement Worth It? Study Provides Answers

By Patrick C. Farber On September 19, 2023 · 6:17 AM · Add Comment

The Minneapolis Star Tribune analyzed data on cases where structured settlement recipients sold future settlement payments to factoring companies. The paper looked at more than 1,200 sales from 2000 to October 2021 (when the findings were published). Here’s what it uncovered:

Fewer than 20 people received cash equal to at least 80% of their settlement’s future payments. More than 40 people received cash equal [...]
Continue Reading

Structured Settlements Help Prevent The Need for Early Retirement Savings Withdrawals

By Patrick C. Farber On August 10, 2023 · 9:40 AM · Add Comment

According to a Bank of America analysis, 36 percent more people in the second quarter of 2023 made hardship withdraws from their employee benefits program than during the second quarter of 2022. Individuals are still feeling the pinch of inflation. Fortunately, injured parties with structured settlements are mostly immune from higher costs that could compel them to dip into their retirement savings.

Guaranteed [...]

Continue Reading
Post image showing, What More Fed Rate Hikes Mean To Structured Settlements

What More Fed Rate Hikes Mean To Structured Settlements

By Patrick C. Farber On June 28, 2023 · 12:01 PM · Add Comment
Despite a recent pause in interest rate hikes, Federal Reserve Chairman Jerome Powell recently announced that more rate hikes are on the way this year in an attempt to slow inflation further. While this is bad news for those who are seeking a mortgage or car loan, it’s good news for personal injury claimants. Annuity Yields. Structured settlement annuities base their yields primarily on [...]
Continue Reading
Post image for a web post by Patrick Farber about protecting plaintiff government benefits.

Protecting Plaintiff Government Benefits

By Patrick C. Farber On April 19, 2023 · 5:15 PM · Add Comment

I’ve been getting calls from attorneys and injured parties asking whether settlement proceeds could jeopardize government benefits eligibility.

Will Lindahl at CPT Institute put together these guidelines.

If a plaintiff or family member is receiving government benefits, the plaintiff must notify the applicable state agency by registered mail of the impending settlement proceeds. If the plaintiff fails to notify [...]
Continue Reading

Clients Can Keep More Assets While Still Qualifying For Medi-Cal Benefits

By Patrick C. Farber On April 12, 2023 · 9:04 AM · Add Comment

During the past few weeks, I’ve received calls from attorneys and clients asking whether the Medi-Cal asset cap is still at $2,000. Thankfully, the cap has increased dramatically because of wording in California’s 2022 budget.

As of July l, 2022, California increased the cap to $130,000 with an additional $65,000 per family member living in the household. Assets in Medicare Set-Asides (MSAs) are not counted [...]

Continue Reading
Article image from an article Multiple Uses For Non-Qualified Annuities by Patrick McNulty

Multiple Uses For Non-Qualified Annuities – Patrick McNulty

By Patrick C. Farber On March 29, 2023 · 5:36 PM · Add Comment

An often-underutilized structured settlement product is a non-qualified annuity. The annuity options are many and can be used in settlements involving employment litigation, contract disputes, environmental claims, punitive damages and other legal matters.

Freedom Income Annuity. The Freedom Income annuity from Symetra Financial allows the annuity holder to defer non-qualified monies to future dates, such as the age of majority or at retirement. The fixed [...]

Continue Reading
Post title photo for Patrick Farber's website post Most Americans Unprepared Financial Crisis

Suze Orman: Most Americans Unprepared For Financial Emergencies

By Patrick C. Farber On February 28, 2023 · 10:08 AM · Add Comment

Suze Orman, a long-time investment pundit, is sounding the alarm that many Americans are one emergency away from a financial crisis. In fact, a Federal Reserve survey noted that a $400 unexpected expense would cause financial hardship for 32 percent of American families. Coupled with today’s rising inflation, a large unexpected expense can be devastating.

Our current financial climate makes structuring a settlement [...]

Continue Reading
Graphic announcing the post titled Tax Efficient Benefits of Structuring an Employment Settlement: New MetLife White Paper

Tax Efficient Benefits of Structuring an Employment Settlement: New MetLife White Paper

By Patrick C. Farber On February 1, 2023 · 2:10 PM · Add Comment

A new MetLife white paper, “Structuring an Employment Settlement: A Tax Efficient Solution,” provides an overview of structured settlements and their benefits in employment-related settlements. It compares the different tax obligations of a lump sum payout versus a structured settlement in employment cases. It then provides the steps to create a structured settlement and includes case examples.

Written for both plaintiff and defense employment [...]

Continue Reading
Household Debt on the Rise - by Patrick Farber (Title Image)

Household Debt On The Rise

By Patrick C. Farber On November 17, 2022 · 9:52 AM · Add Comment

The Federal Reserve recently reported that household debt increased by $351 billion in the third quarter of the year—at its fastest pace in 15 years. Higher mortgage and credit card rates and overall inflation are making everything more expensive. Injured parties can offset some of the effects of rising prices by including an inflation component in their structured settlement.

COLA Annuities. Cost of Living [...]

Continue Reading
Image showing post title Special Needs Trusts And Their Impact On Section 8 Voucher Eligibility

Special Needs Trusts And Their Impact On Section 8 Voucher Eligibility

By Patrick C. Farber On October 21, 2022 · 3:54 PM · Add Comment

Special Needs Trusts (SNTs) are often set up to protect an injured party’s SSI and Medicaid payments. Settlement assets placed in an SNT are not counted when determining government assistance eligibility.
The eligibility rules are different, however, for HUD Section 8 housing assistance. Unlike SSI and Medicaid criteria, qualifying to receive assistance with rent payments is based on income, not assets.

It’s Tricky. If [...]

Continue Reading
Page 3 of 24«12345678910...20...»Last »
  • A Quick Introductory Message From Pat Farber:

  • Structures Resources LInks

    Quick Intro To Attorney Fee Structures - Pacific Life Video
    Helped By Structures - A Video Series
    Why Are Settlements Tax Free?
    Why Structured Settlements?
    Are Structured Settlements Secure?
    The Latest Structured Settlement News
    View Our Brochure
    Structuring Attorney Fees
    Attorney Endorsements
    Client Testimonials
    How Structures Affect College Tuition
    Top Attorneys on Structured Settlements
  • Sponsor Of:

    Walk Like MADD
  • Supporter Of:

    Ralph's Riders Foundation
  • Member Of:

    NSSTA
  • Attorneys On Pat Farber

    “Structured settlements can be a very helpful tool to address the future care needs of our clients. Enlisting a true professional like Pat to answer questions about this option has proven invaluable to my clients.”

    Khaldoun A. Baghdadi
    Partner
    Walkup, Melodia, Kelly & Schoenberger

  • American Board of Trial Advocates (ABOTA) Consumer Attorneys Association of Los Angeles (CAALA) Consumer Attorneys of California (CAOC) National Association of Insurance & Financial Advisors (NAIFA) National Association of Life Underwriters (NALU) National Structured Settlements Trade Association (NSSTA) Orange County Trial Lawyers Association (OCTLA) San Francisco Trial Lawyers Association (SFTLA) Southern California Association for Healthcare Risk Management (SCAHRM)
  • Upcoming Events

    Full Event Info & Links Here

    October 6 – 9, 2024
    American Society for Health Care Risk Management (ASHRM)
    Annual Conference  Info
    San Diego Convention Center
    San Diego, California
    Sponsor – Booth Number: #717

  • Supporter Of:

    Triumph Foundation

    “Our programs are only made possible because of wonderful supporters like Patrick Farber, who enable us to make quality of life a reality for people with disabilities.”

    —Andrew Skinner, Co-Founder, Triumph Foundation


    Ralph's Riders Foundation


    Brain SoCal is a non-profit organization founded by TBI (Traumatic Brain Injury) attorney and advocate Tina Odjaghian


    Inner City Law


    Los Angeles Trial Lawyers' Charities


    Covenant House - You can change a young life today

  • Sponsor Of:

    Walk Like MADD
  • Member Of:

    NSSTA

Recent Posts

  • Advantages Of Qualified Settlement Funds

    Advantages Of Qualified Settlement Funds

    December 30, 2025
    Attorneys Robert Wood and Alex Brown recently wrote an article …Read More »
  • Job Openings Decline: Making The Case For Structured Settlement Income Security

    Job Openings Decline: Making The Case For Structured Settlement Income Security

    November 6, 2025
    The job site Indeed just released its Job Postings Index. As …Read More »
  • Medi-Cal Reinstates $130,000 Asset Limit

    Medi-Cal Reinstates $130,000 Asset Limit

    October 10, 2025
    Starting January 1, 2026, California will reinstate a $130,000 Medi-Cal …Read More »

Recent Comments

  • Are Settlement Damages Involving PTSD Tax-Free? - Patrick Farber Structured Settlement Brokers on Patrick Farber
  • Structuring Strategies Beyond Fees - Patrick Farber Structured Settlement Brokers on Patrick Farber
  • Join Us At CAALA Annual Las Vegas Convention-Labor Day Weekend - Patrick Farber Structured Settlement Brokers on Patrick Farber
  • Addressing FAFSA Challenges/Paying For College Through Structured Settlements - Patrick Farber Structured Settlement Brokers on Patrick Farber
  • Structure or Not To Structure Employment Settlements? Employment Lawyers Weigh In - Patrick Farber Structured Settlement Brokers on Patrick Farber

Newsletter Sign-up

Get Social & Follow Us

Facebook
LInkedIn
Google+
RSS News Feed
YouTube Channel

Getting Started

Helped By Structures - Video Series
Why Structured Settlements?
Why Are Settlements Tax Free?
View Our Brochure
Client Testimonials
Record Use Of Structured Settlements, Offering Safety And Returns

Attorney Resources

Never Structured Attorney Fees?
Attorney Endorsements
Sample Structured Settlements
Calculate MICRA Rates
Top Attorneys on Structured Settlements

Structured Settlement Resources

Latest Structured Settlement News
Pat's Structured Settlement Alerts
Sample Structured Settlements
Quick Reference Guide
How Structures Affect College Tuition
  • Home
  • Blog
  • MICRA Calculator
  • Sample Structures
  • Sample Annuity Contracts
  • Attorney Testimonials
  • Client Testimonials
  • Structured Settlement Videos
  • Maximizing Workers’ Comp Settlements
  • Protecting Medicare & Medicaid Eligibility
  • FAQ for Attorneys
  • FAQ for Injured Parties
  • Terms Of Service
  • Privacy Policy
  • Sitemap
  • Contact
Is Selling Your Structured Settlement Worth It? Study Provides Answers
© 2000 - 2025 Patrick C. Farber. All Rights Reserved | Toll Free: 800-734-3910
Site Credits | FDIC Notice
Patrick Farber Structured Settlements is a member of Atlas Settlement Group