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Protect Your Settlement

If you are reading this right now, someone you trust suggested you consider objective settlement advice from Ringler to protect your financial interests at this critical moment in your life. You may have even heard the term “structured settlement” before, but only in the context of “needing cash now” and selling your future payments. That is not us. Rather, we work with everyone involved to craft a plan with REAL guarantees that money from your settlement will be there when you and your family need it most, now and in the future.

Covering All the Bases

A Ringler settlement plan considers every resource available to you, which may mean a combination of strategies. For example, a settlement plan can include upfront cash payments to cover immediate financial obligations, a trust to protect Medicare or Medicaid benefits, a tax-free structured settlement annuity to meet medical and living expenses, or other financial planning tactics. We cover all the bases because first and foremost, we know you want the best settlement agreement possible so you can put all of this behind you and get on with your life.

Anatomy of a Structured Settlement

At the heart of every Ringler settlement plan is an extraordinary financial tool created by Congress exclusively for injured people called a “structured settlement.” Instead of taking all of the money you receive from a personal injury lawsuit as one lump sum, you choose to put some or all of that money into a structured settlement. Regular payments are then made over a specified period of time to match your future needs and goals. The financial advantages of a structured settlement are significant:

  • Guaranteed – Payments from interest-earning annuities are backed by the nation’s top-rated life insurance companies
  • Tax Free – You and your dependents receive a 100% lifetime exclusion from income, dividend and capital gains taxes.
  • Customized – Powerful planning and financial tools help us create a structured settlement that is a perfect fit for you and your unique circumstances.
  • No Risk, No Fees – Returns are NOT subject to the whims of Wall Street or poor financial management. There are also no management fees.
  • Eligibility – Benefits from federal and private health care plans are protected.

The Right Solution for You

Structured settlements apply to a wide variety of injury cases regardless of how much money is involved. In fact, more than half the settlement plans designed by Ringler are for less than $50,000. You should consider structured settlements for any personal injury, workers’ compensation or medical malpractice cases involving:

  • Long-term medical needs
  • Temporary or permanent disabilities
  • Minors or the mentally incompetent
  • Severe injuries that result in brain damage or shortened life expectancy
  • Surviving spouse and/or dependents

The money is distributed in whatever fashion works best for you: future lump sums on specified dates; over a set period; over a lifetime; monthly, quarterly, semi-annually, annually; in level or increasing payments; or in some combination of these options.

Most people start by guaranteeing critical obligations first, including replacement or supplemental income, tuition payments, mortgage payments, retirement income and ongoing medical expenses. Then other needs are considered, like a down payment on a new home or car, remodeling projects, attorney fees, major tax bills, vacation planning, etc.

Why Roll the Dice?

Those most involved in settlement negotiations (attorneys, insurance professionals and court officers) know firsthand that many people who take a settlement in a single cash payment often have nothing left after just a few years. Two post-settlement surveys conducted in recent years by major insurance companies confirm this impression: Prudential, 2013 [View online] and American General Life Companies, 2007 [Download survey].

Furthermore, many people who qualify for a structured settlement miss the added management fees, increased risk and negative tax consequences associated with other investments. Of course we understand how the grief and trauma associated with an injury can cloud anyone’s judgment.

Browse our list of client stories and see for yourself how others have wisely planned for whatever life throws their way. Then contact your lawyer or insurance representative today and let them know you are ready for a Ringler settlement plan and the peace of mind that comes with knowing you’ve covered all the bases!

Plan Your Settlement with Ringler