ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Structured Settlement Money:Your Options With Your Money

Updated on July 13, 2011

When structured settlement money is being paid to you, you have options. This comes as a surprise to many people receiving structured settlement payments because the arranging and contractual phase of the annuity award is done at the time your case (or sometimes winning) is settled. Nevertheless, even after the dust has settled and annuity payments have commenced, you do have options with your structured settlement money.

Your Options For Structured Settlement Cash

When you are receiving payments from a structured settlement, you have several options. Those include

  • Keeping all rights to all of your annuity payments and collecting the full amount of payments over time (which usually means years)—this is a good option as long as you do not have an immediate, pressing, or upcoming need for more cash and you are living comfortably on the payments as they are currently being made.
  • Working out a structured settlement transfer to advance structured settlement annuity payments—this is often the best option when unforeseen expenses arise, or when you need a large lump sum of cash to get back on your feet after settlement.

You might have noted that what is not included on the list above is a structured settlement loan. The reason for that is that structured settlements cannot really be used as collateral for a loan. You may be able to get a bank or lender loan at a rate of interest to be determined based on your annuity payments as income (perhaps not—that's for the lender to decide), but lenders do not consider future, yet-to-be-collected structured settlement payment rights to be adequate collateral for a secured loan.

Given this, the two listed options are the basic choices for people who receive money from structured settlement annuities. As mentioned there are several options overall; when you choose the latter, you have more options that open up to you.

Structured settlement buyers generally have a lot of flexibility, and therefore a lot of contract options to offer to you. Those are options that you can negotiate with the buyer so that you get the most benefit from the transfer and access to structured settlement money. You will need to keep in mind that the structured settlement buyer is looking for a benefit, too, but that first and foremost in everyone's mind should be structuring an annuity transfer that fulfills your financial needs.

Options Within Options With Structured Settlement Money

The widest options open up to you when you decide to sell structured settlement payments. That is not necessarily advice to do so, simply a statement of the facts; you still need to decide what is in your best interest between the two basic options.

When you do decide to access structured settlement cash you will begin to work with a representative of a structured settlement buyer. These are people or entities who purchase structured settlements as investments and buy your payments for a lesser amount (lesser than what you would collect if you waited to collect all the payments on schedule yourself). In return the buyer will give you a lump sum of cash that you can control and spend now. That lump sum will be based on your financial needs—how much structured settlement cash you want access to now.

Those needs should also take into consideration your future income needs. That consideration will help you determine what type of agreement to negotiate with structured settlement brokers. The usual options here include

  • Selling all future payments for one lump sum of cash. You will no longer have rights to any future payments; all will be paid to the lender, and you will get one large sum of cash once.
  • Selling some of your payments for a large lump sum of cash (the most common arrangement). You get the amount of money you want or need, and the investor collects a specified number of payments to collect their investment, and then no more. Once the obligation to the structured settlement buyer is fulfilled payments will be made to you directly from the annuity again.
  • Selling partial payments for a lump sum of cash. Again, you receive an agreed large sum, but instead of getting no payments at all for a period of time both you and the annuity buyer will get partial payments until the buyer's obligation is fulfilled.
  • Full or partial payment transfer in exchange for two or more larger payouts from the buyer. You will be paid as agreed in two or more larger lump sum payments and the investor paid as agreed.

This hub brought to you...

by Julie-Ann Amos, professional writer, and owner of international writing agency

Why not create your own HubPages? It's fun and you can make revenue from Adsense and other revenue streams on your pages. JOIN HUBPAGES NOW - SIMPLY CLICK HERE...

This work is licenced under the Creative Commons Attribution-Non-Commercial-No Derivative Works 3.0 Unported License. To view a copy of this licence, visit or send a letter to CreativeCommons, 171 Second Street, Suite 300, San Francisco, California94105, USA.


    0 of 8192 characters used
    Post Comment

    • profile image

      Average Accident Settlement 

      8 years ago

      Structured settlement payments, can you change the way/amounts in which they pay out? Once a structured settlement has gone into effect, can you rearrange they way you want to receive payments?

    • profile image


      8 years ago

      Ye, i have searched many pages on the internet and the info here is good.

    • profile image


      9 years ago

      Went inquiring yesterday for "Structured Settlement Money", and I happened to encounter your hubpage. Good info on structured settlement money!


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)