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The Halpern Group 2007-04-17 05:46:00 The premier innovator in the field of plaintiff-side Structured Settlements, the Halpern Group
is dedicated to using its expertise and experience to balance the scales of justice.The Halpern Group Structured Settlements Products represent a history of success, innovation and commitment to the Injured and their Counsel. Among our outstanding products are:Section 130 Exempt Structured Settlements * Requires no defense cooperation * Flexibility to adapt to future emergent and economic changes * 130 Exempt (130X) PowerPoint Web Presentation The audio and visual PowerPoint show about the Section 130 Exempt Structured Settlement * Important features of the Section 130 Exempt Structured Settlement. * The Structured Settlement Decision - The annuity-based Structured Settlement or The Section 130 Exempt Structured SettlementSection 130 Structured Settlements * The U.S. Government Guaranteed Inflation-Proof Structured Settlement (TIPS) * The United States Treasury Bond Structured Settlement
FORGE Consulting 2007-03-18 06:12:00 FORGE Consulting
, LLC, is the first major new firm in the structured settlement industry in more than a decade.With virtually unmatched financial and legal resources, the experts at FORGE provide a personalized payment plan for its clients, piecing together the optimal balance between a structured annuity and a liquid investment, and ensuring that clients receive lifelong security and valuable tax advantages. Over time, our clients save from $300,000-$400,000 on their investment, because FORGE charges no annual management fee. Attorneys themselves can also benefit, by structuring their fee with the same flexibility as their clients. Read more about FORGE Consulting.FORGE Consulting Contact Information:Headquarters737 Main StreetBuffalo, New York 14203Phone 716 883 1833Fax 716 883 21241 866 68 FORGEGeorgia11 Depot StreetHartwell, Georgia 30643Phone 706 856 2535Fax 706 856 25373166 Mathieson Drive #250Atlanta, Georgia 30305Phone 678 916 4166Fax 706 856 2537Arkansas1400 W. Markham Street
EPS Settlements Group, Inc. 2007-02-16 12:28:00 EPS SettlementsGroup
, Inc. employs structured settlement specialists you can rely on to create optimal structured settlement solutions using the substantial experience, resources and training of our associates.Our uniqueness lies in the quality and experience we bring our clients for their structured settlements needs. Our expertise is creating personalized structured settlements for the following types of claims: personal physical injury liability, Workers' Compensation, professional liability (including medical physical malpractice), general liability, auto liability, employment, environmental, domestic relations, airline and railroad. [Full company bio of EPS Settlements Group, Inc.]EPS Settlements Group, Inc. Offices:ALABAMABirmingham, Alabama3584 Highway 31 South, #306Pelham, AL 35124Telephone: 205-620-2566FAX: 251-217-9429Toll Free: 877-316-7212Brian Loper - bloper@epssettlements.comLeeAnn Smith - Lasmith@epssettlements.comARIZONA Phoenix, Arizona Metro Area1460
Creative Capital Inc. 2007-02-11 06:18:00 There are four basic reasons why so many plaintiff and defense attorneys request our services:Ethics - Creative Capital (CCI) is the only structured settlement firm that offers protection from fraud and misrepresentation through our Certificate of Reliability and Assurance (CORA), an affidavit that guarantees the integrity of the settlement process.Experience - With offices around the country, CCI is one of North America's most knowledgeable structured settlement firms with over 20 years of developing innovative settlement solutions, as well as brokerage experience for the London insurance market. Our settlement solution experience ranges from individuals to mass tort claims. CCI's clientele range from municipalities and insurers to both plaintiff and defense attorneys.Expertise - Partnering with clients, our skilled professional team provides a wide range of services to craft innovative solutions. CCI offers expertise that judges acknowledge: our general counsel, Marty Jacobson, is
Baxter Structures 2007-01-07 03:05:00 Baxter Structures
is one of Canada's oldest and leading Structured Settlement firms.We provide professional and cost effective solutions for Personal Injury claims, combined with realistic and creative outcomes.A Baxter settlement considers all of the various elements of the claim, whether large or small. Baxter offers innovative solutions that lead to Win/Win situations.The key to Baxter Structures is, of course, our people. We have assembled a team of professionals with experience in life insurance, annuities, claims handling and negotiations. Any and all of our experts are accessible at any time, by telephone, to discuss a general question or a specific case. We will visit with you, at your home or office, as necessary, to discuss Structu Read more:Baxter
structuredsettlements.org 2007-01-06 03:51:00 Structured Settlements ServicesWe realize that plaintiff attorneys have unique concerns regarding structured settlements, and we work hard to place the plaintiff and his or her attorney in the most favorable position to satisfy these concerns. By sharing our knowledge of tactics commonly used by some insurers, plus some of our own, plaintiff attorneys can take proactive steps to eliminate the financial advantage that the defense has so long enjoyed over the plaintiff when structured settlements are appropriate. Contact us early in the negotiation process, long before the mediation, so we can provide you with the same information the other side will otherwise be using to its advantage, if you don't have it also. Let us help
123lumpsum 2007-01-05 11:25:00 About 123lumpsum.com Headquartered in Hallandale , Florida , 1,2,3 lumpsum , in partnership with Structured Asset Funding, is a specialty finance company that applies institutional financing, underwriting and legal expertise to purchase future cash flows (structured settlements and insurance annuities). As the leading purchaser of structured settlements, we're making it easier for people like you who want to make positive changes in their lives get cash now. By applying legal expertise, underwriting and institutional financing we are able to make your financial dreams come true! Here's how it works: 1. Give us a call today to find out how much your future payments are worth. One of our purchasing specialists will put together a plan for you based on your individual needs, goals and dreams. 2. Accept our offer and you're on your way to getting cash! 3. Get your lumpsum today!Call now at 866-876-fund or visit http://www.123lumpsum.com/
Structured Settlements in the United States 2007-01-05 03:19:00 The UnitedStates
defines “structured settlement” for Federal income taxation purposes in Internal Revenue Code Section 5891 (c) (1) as an "arrangement" that meets the following requirements: A structured settlement must be established by: A suit or agreement for periodic payment of damages excludable from gross income under Internal Revenue Code Section 104(a)(2); orAn agreement for the periodic payment of compensation under any workers’ compensation law excludable under Internal Revenue Code Section 104(a)(1); and The periodic payments must be of the character described in subparagraphs (A) and (B) of Internal Revenue Code Section 130(c)(2) and must be payable by a person who: Is a party to the suit or agreement or to a workers compensation claims; orBy a person who has assumed the liability for such periodic payments under a Qualified Assignment in accordance with Internal Revenue Code Section 130.Original content from wikipedia.org. Read more:Settlements
, Structured
Structured Settlements News 2007-04-26 11:56:00 Structured Settlements
and Periodic Payment Judgments-Release 4114 hours ago by Patrick Hindert Release 41 of "Structured Settlements and Periodic Payment Judgments", co-authored by Daniel Hindert, Joseph Dehner and Patrick Hindert, is now available from American Lawyer Media (ALM). Highlights include a new chapter titled ...Beyond Structured Settlements - http://s2kmblog.typepad.com/rethinking_structured_set/Structured Settlements and Periodic Payment Judgments4 hours ago by congcong0902 When you first begin to resell structured settlement resell srructured settlement , it is necessary to do your homework and learn all of the info sell settlement structured and best offer sell my structured settlement payments that is ...Public marks - http://blogmarks.net/marksAn Open Letter to David Bonior and Frederick Baron21 Apr 2007 by structuredsettlements I write to you because there are simple questions concerning Presidential candidate' John Edwards' business relationship with Forge Con Read more:Structured
Life annuity 2007-05-14 02:25:00 The life annuity (also known as a single-payment annuity) is a financial instrument that allows for a seller (issuer), typically a financial institution such as a life insurance company, to provide a series of future payments to a buyer (annuitant) for a known sum with a net present value; the payment stream has an unknown duration based principally upon the life expectancy of the annuitant. Generally, such an instrument stops payment at the death of the annuitant. However, it is possible to structure such a contract so that the payments stop upon the death of the second of two annuitants (i.e., a joint and survivor annuity), sometimes with a reduction in the amount of the payment going forward.The pure life annuity can have harsh consequences for the annuitant who dies before recovering his or her investment in the instrument. Such a situation, called a forfeiture, can be remedied by the addition of a period-certain feature under which the annuity issuer is required to make annuity pa
Annuity (financial contracts) 2007-05-14 02:21:00 An annuity contract is financial product, typically offered by a financial institution, that may accumulate value and take a current value and pay it out over a period of years. These contracts are regulated by various jurisdictions and this has led to the term being focused on different features in different parts of the world.In the US, an "annuity" generally refers to a deferred investment contract that, upon "annuitization," will make regular payments (e.g., on a monthly or annual basis) to a person (called the "annuitant") for a period certain, over one or more specified individuals' lifetimes, or over a combination of life and a period certain. (See life annuity.)Such contracts provide an income during retirement or a stream of payments as a settlement of a personal injury lawsuit (i.e., a structured settlement). Some annuities (called "joint life" or "joint and survivor" annuities) continue paying a second person (i.e., the "beneficiary") after the annuitant dies, until that pe Read more:Annuity
Legal Structure 2007-05-14 02:14:00 The typical structured settlement arises and is structured as follows: An injured party (the claimant) settles a tort suit with the defendant (or its insurance carrier) pursuant to a settlement agreement that provides that, in exchange for the claimant's securing the dismissal of the lawsuit, the defendant (or, more commonly, its insurer) agrees to make a series of periodic payments over time. The insurer, a property/casualty insurance company, thus finds itself with a long-term payment obligation to the claimant. To fund this obligation, the property/casualty insurer generally takes one of two typical approaches: It either purchases an annuity from a life insurance company (an arrangement called a "buy and hold" case) or it assigns (or, more properly, delegates) its periodic payment obligation to a third party which in turn purchases an annuity (which arrangement is called an "assigned case").In an unassigned case, the property/casualty insurer retains the periodic payment obligation Read more:Structure
How a structured settlement annuity works 2007-05-29 18:07:00 A Structured Settlement is essentially an agreement under which an insurance company agrees to pay an individual a predetermined amount of cash for a fixed length of time if the individual meets an accident. The documents generated in a structured settlement include an agreement, a qualified assignment, an annuity application, a court order if a claim is made by a minor, and an annuity policy.Payments for a structured settlement annuity can be made for the duration of the life of the claimant. The amount paid can comprise of equal installments, installments of varying amounts, and lump sums. The payments from a Structured Settlement Annuity are free from income-tax and are guaranteed by contract. Since a structured settlement annuity is meant for long-term financial security, it is important to get an assurance of the credentials of the annuity provider.The periodicity of payment is entered into the settlement agreement. Factors that individuals can consider in deciding upon the date o
Structured Settlement Form 2007-06-06 19:09:00 Structured settlement. A structured settlement is an arrangement:1. Established (a) by suit or agreement for the periodic payment of damages excludable from the gross income of the recipient under section 104(a)(2) or (b) by agreement for the periodic payment of compensation under any workers’compensation law excludable from the gross income of the recipient under section 104(a)(1) and2. Under which the periodic payments are (a) of the character described in section 130(c)(2)(A) and (B) and (b) payable by a person who is a party to the suit or agreement or to the workers’compensation claim or by a person who has assumed the liability for such periodic payments under a qualified assignment in accordance with section 130.Structured settlement factoring transaction. A structured settlement factoring transaction is a transfer of structured settlement payment rights(including portions of structured settlement payments) made for consideration by means of sale, assignment, pledge, or othe Read more:Structured
, Settlement
Loan Consolidation 2007-06-21 19:34:00 Consolidate today to save money and take advantage of benefits!Many borrowers choose to consolidate their student loans through the Federal Family Education Loan (FFEL) Program because it can provide long-lasting benefits, including a lower monthly payment and a fixed interest rate.Loan Consolidation
Advantages/Disadvantagesadvantages• Consolidation eliminates multiple payments to multiple lenders or servicers, giving the borrower a new loan with one holder and a single monthly payment.• May provide an opportunity for the borrower to lock in a low interest rate.• Consolidation may allow an extended repayment period, depending on total debt. This usually means a lower monthly payment.disadvantages• Consolidating your current loans over a longer repayment term will increase the total amount of interest paid on your outstanding debt, and therefore increases your total overall amount repaid.• You may lose incentives offered by your current lender; review the terms of your consoli
NextStudent Loans: Student Loan Consolidation Rates & Terms 2007-06-21 19:25:00 The rates on federally guaranteed loans, which change annually based on the three-month Treasury Bill, rose July 1, 2006. Consolidation
loan rates are still much lower than current student loan rates when you take advantage of NextStudent
's benefit and incentive plans.You may be able to save even more: * Save an additional 0.6% during your grace period or an eligible postgraduate deferment * Receive a rate reduction of 0.25% when you have your payments automatically deducted from your checking account. * 1% LOCKED interest rate reduction after you make your first 36 consecutive on-time payments -OR- 2% interest rate reduction after you make your first 48 consecutive on-time payments*Your rate will determined based on the weighted average of the interest rates of the loans being consolidated, excluding Health Education Assistance Loans
(HEAL), rounded to the nearest 1/8 of 1% or 8.25%, whichever is less, and minus any additional rate reductions as noted above. Your rate will b Read more:Rates
, Terms
, Student Loan
College/Student Loan Consolidation 2007-06-21 19:20:00 In the United States both the Federal Family Education Loan Program (FFELP) and the Federal Direct Student
Loan Program (FDLP) include consolidation loans that allow students to consolidate Stafford Loans, PLUS Loans, and Federal Perkins Loans into one single debt. This results in reduced monthly repayments and a longer term for the loan. Unlike the other loans, consolidation loans have a fixed interest rate for the life of the loan. Interest rates and paymentsConsolidation
loans have longer terms than other loans. Debtors can choose terms of 10–30 years. Although the monthly repayments are lower, the total amount paid over the term of the loan is higher than would be paid with other loans. The fixed interest rate is calculated as the the weighted average of the interest rates of the loans being consolidated, assigning relative weights according to the amounts borrowed, rounded up to the nearest 0.125%, and capped at 8.25%. Some features of the original consolidated loans, such as po Read more:Student Loan
, College
Introduction: PLANNING A STRUCTURED SETTLEMENT 2007-06-21 19:11:00 Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) beneficiaries who work must understand how the receipt of employment income will impact their Social Security cash benefits, as well as their Medicare or Medicaid benefits, and the myriad of other public benefits that they may have received or continue to receive. In addition to employment income, beneficiaries may also receive cash and/or other resources through legal proceedings such as divorce, probate, personal injury lawsuits, or civil rights lawsuits. BPAO and PABSS staff may field questions from beneficiaries concerning the impact of these awards and/or settlements on their public benefits. Answering these questions may be part of providing a complete benefits analysis.The impact of these awards and/or settlements on public benefits should also be considered by PABSS staff when advocating on behalf of SSI and SSDI beneficiaries on return to work issues. It is imperative that PABSS staff be able to Read more:Introduction
Who Must File Structured Settlement 2007-06-21 19:05:00 Who Must File StructuredSettlement
Generally, you must file Form 8876 if you acquire directly or indirectly structured settlement payment rights in a structured settlement factoring transaction entered into after February 21, 2002. However, do not file Form 8876 if the transfer of structured settlement payment rights was approved in advance in a qualified order, as no excise tax is due.
Mesothelioma 2007-06-24 20:16:00 Mesothelioma is a form of cancer that is almost always caused by previous exposure to asbestos. In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. Its most common site is the pleura (outer lining of the lungs and chest cavity), but it may also occur in the peritoneum (the lining of the abdominal cavity) or the pericardium (a sac that surrounds the heart).Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles, or have been exposed to asbestos dust and fibre in other ways, such as by washing the clothes of a family member who worked with asbestos, or by home renovation using asbestos cement products. Talc mined in upstate New York has been associated with causing mesothelioma. Unlike lung cancer, there is no association between mesothelioma and smoking. Read Mesothelioma signs and symptoms Read more:Mesothelioma
Insurance 2007-06-24 20:12:00 Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a potential loss, from one entity to another, in exchange for a premium. Insurer, in economics, is the company that sells the insurance. Insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. Read the Principles of insurance
Structured Settlements in UK 2007-06-23 00:45:00 “A structured settlement is the payment of money for a personal injury claim where at least part of the settlement calls for future payment. The payments may be scheduled for any length of time – usually as long as the claimant’s life – and may consist of instalment payments and/or future lump sums. Payments can be in fixed amounts or they can vary. The schedule is structured to meet the financial needs of the claimant.”Typically, a structured settlement will involve the defendant’s insurer purchasing an annuity from a life office to discharge its liability to the claimant. In the UK, all structured settlement cases to date have involved personal injury cases. In most of the cases, the extent of the injuries has been considerable and there has often, but not always, been a significant reduction in the life expectancy of the claimant. The life office undertakes extensive medical underwriting and provides an impaired life annuity, usually on materially better terms than would Read more:Structured
, Settlements
How to sell a structured settlement payment 2007-06-23 00:44:00 Individuals who choose to sell their structured settlement either in part or wholly are in need of some ready money. Most often, people sell a part of their structured settlement to meet near-term requirements. There are various institutions that buy structured settlements. The transactions can vary in amount from ten thousand dollars to 1.5 million dollars. More than two-thirds of the states in the United States allow individuals to sell structured settlements. According to the federal law HR 2884, annuity owners do not come under any tax obligations as a result of selling their structured settlements.One should research about various settlement purchasers, check their past payment records and their working relationships with the insurance companies so that the transactions can be approved quickly. Also, the purchasers should be licensed, insured, and bonded. This way if a purchaser goes out of business, the seller can still get his cash. In some states it is mandatory to obtain finan
Structured Settlements 2007-06-22 23:29:00 Baxter Structures - Structured
settlements firm serving Canada.Creative Capital - Structured settlement firm offering assistance to attorneys.EPS Settlements
Group - Offers structured settlements for a variety of claims.Forge Consulting LLC - Services for structured settlement annuities, trusts and managed accounts.Halpern Group - Offers structured settlements, consulting and negotiation services to attorneys representing injured clients.Hartford Life Insurance Company - Setting up structured settlements for personal injury claims.LawCapital Enterprises, LLC - Purchaser of structured settlements.Legal Economic Evaluations - Providing economic evaluation of structured settlements, wage loss, pension and retirement plans.McNay Settlement Group, Inc. - Provides structured settlement annuities and other settlement techniques.National Structured Settlements Trade Association - Provides structured settlements using periodic payments to resolve claims.Prosperity Partners, Inc. - Purchasing st
Structured Settlements Services 2007-06-28 22:46:00 StructuredSettlements
Baxter Structures - Structured settlements firm serving Canada.Creative Capital - Structured settlement firm offering assistance to attorneys.EPS Settlements Group - Offers structured settlements for a variety of claims.Forge Consulting LLC - Services
for structured settlement annuities, trusts and managed accounts.Halpern Group - Offers structured settlements, consulting and negotiation services to attorneys representing injured clients.Hartford Life Insurance Company - Setting up structured settlements for personal injury claims.LawCapital Enterprises, LLC - Purchaser of structured settlements.Legal Economic Evaluations - Providing economic evaluation of structured settlements, wage loss, pension and retirement plans.McNay Settlement Group, Inc. - Provides structured settlement annuities and other settlement techniques.National Structured Settlements Trade Association - Provides structured s
John Hancock Structured Settlement Annuity 2007-06-26 23:18:00 John HancockStructuredSettlementAnnuity
A tax-free annuity for individuals and their families settling physical injury disputes or Workers Compensation claims.A structured settlements annuity provides injury victims or the victim's family with a steady stream of income over time. Instead of taking a lump sum payment - awarded through a pre-trial settlements or court order - the claimant takes an annuity. Then the victim or the victim's family can receive regular tax-free payments to meet future medical expenses and basic living needs. A similar option exists for personal injury lawyers seeking regular income over time versus a lump sum fee.
Structured Settlements Canada 2007-06-26 23:09:00 What Is a Structured
Settlement? In a Structured Settlement in Canada
the defendant or Casualty Insurance Company purchases an annuity from a major Canadian Life Insurance Company and the payments from that annuity are irrevocably directed to the injured party or claimant. It should be noted that the annuity and the irrevocable direction can never be changed or collapsed once the settlement is finalised. The monthly payments are designed to sustain the injured party for a protracted period and the recipient is effectively protected from losing, wasting or even giving away the settlement funds. In most cases we recommend a lifetime plan. These Structured Settlements
guarantee that the claimant will never run out or "outlive" the money. The Life Insurance Company and The Defendant Insurance Company both guarantee these payments that are a combination of return of capital and the interest that is generated over the term of the annuity. The claimant receives all of
The Structured Settlement 2007-06-26 23:06:00 What Is a StructuredSettlement
?Sometimes when a plaintiff settles a case for a large sum of money, the defendant, the plaintiff's attorney, or a financial planner consulted in association with the settlement, will propose paying the settlement in installments over time rather than in a single lump sum. When a settlement is paid in this manner it is called a "structured settlement". Often the structured settlement will be created through the purchase of one or more annuities, which guarantee the future payments.A structured settlement can provide for payment in pretty much any schedule the parties choose. For example, the settlement may be paid in annual installments over a number of years, or it may be paid in periodic lump sums every few years.Benefits of a Structured SettlementOne significant advantage of a structured settlement is tax avoidance. With appropriate set-up, a structured settlement may significantly reduce the plaintiff's tax obligations as a result of the settlement,
Structured Settlements in the United States 2007-06-26 22:51:00 The UnitedStates
defines “structured settlement” for Federal income taxation purposes in Internal Revenue Code Section 5891 (c) (1) as an "arrangement" that meets the following requirements: * A structured settlement must be established by: o A suit or agreement for periodic payment of damages excludable from gross income under Internal Revenue Code Section 104(a)(2); or o An agreement for the periodic payment of compensation under any workers’ compensation law excludable under Internal Revenue Code Section 104(a)(1); and * The periodic payments must be of the character described in subparagraphs (A) and (B) of Internal Revenue Code Section 130(c)(2) and must be payable by a person who: o Is a party to the suit or agreement or to a workers compensation claims; or o By a person who has assumed the liability for such periodic payments under a Qualified Assignment in accordance with Internal Revenue Code Section 130. Read more:Structured
, Settlements
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