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Structured Settlements

Introduced to claims negotiations in 1982, structured settlements have helped to conclude countless claims and guard the vital financial security of injured parties.

Offering guaranteed, tax-free income streams through the purchase of fixed annuities, structured settlements offer unprecedented protection and peace of mind to claimants. 

Guided by Internal Revenue Code (IRC) Section 104(a)(2), all settlement proceeds being paid from a personal injury or wrongful death claim are received 100% tax-free. Each periodic payment stream, which is established to meet the needs of the injured party, constitutes the structured settlement portion of the settlement. When purchased as part of the settlement (by the defense on behalf of the injured party) all principal and interest income is received as a guaranteed, tax-free benefit.

100% Tax-Free Payments

Lifetime exclusion from income, dividend and capital gains taxes.

Guaranteed Rate of Return

Providing a guaranteed fixed rate of return which is unaffected by the volatility of the stock market. Due to their tax-free status the rate of return often exceeds other fixed income investment options.

Guaranteed Future Payments

Encourage fiscal responsibility and investment discipline unlike many other investment options. Providing the assurance that the injured parties’ future needs will be met through guaranteed benefits being paid over a specific period or a lifetime.

Free Personalized Planning

By utilizing Garrison Settlements you can develop a payment plan to meet both immediate and future financial obligations.

Minimal Risk

Annuities are guaranteed through the multi-billion dollar life insurance industry. Garrison Settlements places structured settlements with the most secure life insurance companies in the world

Stress Free Management

There is no need for concern about market fluctuations or volatility. Your investment is secure and your income is guaranteed. A structured settlement provides income free of all federal, state & local taxes.

No Fees or Ongoing Management Expenses

While typical investments have fees associated with management, structured settlements do not incur any management fees. Garrison Settlements provides expert services at no out of pocket expense.

Preservation of Government Benefits

Settlements can be designed to protect eligibility for government benefits such as; Social Security Income (SSI), Medicaid & Children’s Medicaid.


Protection is provided against divorce, family, friends, and even your own spending habits. Many times recipients of large cash settlements become the target of the financial pursuits of others. In fact, one study showed that individuals receiving $100,000.00 or more, 90% had nothing left within 5 years. (Rutler Group, Ltd., TRG 1992)

Peace of Mind

Payments will be made to meet your needs and you will always know when your money is going to be paid.

There are unlimited payment designs available through structured settlement annuities. Payments can commence immediately upon settlement or be deferred. They can be paid on a monthly, quarterly, semi-annual or annual basis. Payments can be made for a certain period of time, or over the lifetime of the injured party. Payments may be made in a lump sum form at pre-determined dates in the future to coincide with identified future needs such as college, surgery, or major purchases like medical equipment replacement or prosthetic replacement.

Ryan, Joe and Perla work closely with claimants and their families to identify needs and design payments to meet them. The payments are guaranteed not to change, regardless of market conditions, giving injured parties security that there will always be adequate resources available.

The ideal settlement basis for the claimant includes a cash component to meet immediate needs, satisfy any existing liens and contractual attorney fees. A structured settlement can addresses many critical issues such as; long term care, mortgage payments, spousal support, education or retirement funds and is developed to meet the specific needs of each person and their family.

With varied application on cases of all sizes, considering a structured settlement makes sense in nearly every circumstance. There are certain case profiles that should always consider a structured settlement annuity option as part of the settlement, and they include the following:

  • Any case involving a minor
  • MSAs
  • Temporary or permanent disability
  • Long term medical care and nursing support
  • Mental incompetency and brain injury diminished life expectancy loss of earnings
  • Wrongful death settlements involving surviving spouse and dependents

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