Structured Settlements by Patrick Farber

Structured Settlements by Patrick Farber Structured settlement & annuity advice for parties who must make their settlement last a lifetime. Patrick C. Government notes.

Farber - Pat Farber has 35 years of insurance experience with more than 30 years in the structured settlement field. Pat specializes in providing structured annuities for medical malpractice, personal injury, product liability, workers’ compensation, toxic torts, and construction defect cases as well as for non-physical injury cases and attorney fees. He participates in court hearings, arbitration

s and settlement conferences throughout California, the West Coast and in other areas of the United States. He has personally placed over $3.5 billion in annuity premiums and U.S.

Factory job cuts are at their highest level since the 2009 financial crisis, according to an S&P Global report, excludin...
06/25/2026

Factory job cuts are at their highest level since the 2009 financial crisis, according to an S&P Global report, excluding the 2020 figures at the start of COVID.

Read the Report: https://finance.yahoo.com/economy/articles/u-factory-job-cuts-worst-151956093.html

With a shaky job market, unemployment at 4.3 percent and rising consumer prices, a structured settlement that lasts a lifetime can provide a much-needed steady income stream.

Manufacturers are cutting jobs to reduce headcount amid concerns about product demand. If clients can return to work after an injury, their jobs may not be there for them.

Structured Settlements Offer Financial Security.

During an uncertain jobs environment, structured settlements continue to offer consistent, secure and safe returns for injured clients.

Clients receive pre-determined payouts from the settlement annuity regardless of economic uncertainties. An inflation component can be added so that payments rise with inflation.

During a time of job cuts and talk of AI impacting workforce numbers, structured settlements offer the security individuals need to maintain stability in their lives after an injury.

Please feel free to contact us to discuss your clients’ settlement options.

Contact: https://patrickfarber.com/contact/

More About:
Pat Farber https://patrickfarber.com/about/patrick-farber/
Nick Schuetze https://patrickfarber.com/about/nick-schuetze/

The U.S. House of Representatives passed the Survivor Justice Tax Prevention Act, H.R. 2347, a bill that would give tax-...
06/03/2026

The U.S. House of Representatives passed the Survivor Justice Tax Prevention Act, H.R. 2347, a bill that would give tax-free treatment to sexual assault settlements.

Currently, the IRS generally requires proof of physical injury before granting tax-free status to a settlement. Proving physical injuries is often difficult, so most settlements are fully taxable.

That may all change with H.R. 2347. The bill is currently in the hands of the Senate

The bill: https://www.congress.gov/bill/119th-congress/house-bill/2347/all-actions?overview=closed&s=9&r=323&hl=tax

Tax lawyer Robert W. Wood recently wrote about the bill. Use the link below read his analysis.

https://patrickfarber.com/wp-content/uploads/2026/06/Bill_Shielding_Robert_Wood.pdf

Please feel free to contact us to discuss current settlement options for sexual assault victims–Nick Schuetze and Patrick Farber.

Contact us: https://patrickfarber.com/contact/

We’re excited to share that MetLife has introduced a new product for non-qualified structured settlements. Previously, A...
06/03/2026

We’re excited to share that MetLife has introduced a new product for non-qualified structured settlements.

Previously, American General was our primary solution when deferring payments beyond the 12-month requirement for any wrongful termination case and all employment litigation. With MetLife now offering a comparable product, we have two competitive options, allowing us to compare rates and place cases more advantageously when deferral is needed.

Deferred Attorney Fees. We’re also seeing increased use of these structures by law firms. Some firms elect to be the payee, using structured payments for cash flow, overhead, or firm growth. Others choose to structure fees to spread income over time–whether for retirement, education planning, or tax efficiency, while creating a predictable income stream.

When a non-qualified case calls for deferral beyond the 12-month requirement, having multiple funding agreement options allows us to better tailor and optimize the structure.

Please feel free to contact us to discuss the options available for non-qualified structures.

https://patrickfarber.com/contact/

Pat Farber

Pacific Life has put together a quick video on its structured settlement annuity product designed for attorneys receivin...
06/03/2026

Pacific Life has put together a quick video on its structured settlement annuity product designed for attorneys receiving fees from a personal injury settlement. The video discusses a new option to help offset rising inflation.

Pacific Life’s Index-Linked Annuity Payment Adjustment rider (ILAPA). The ILAPA rider adjusts annuity payments based on the performance of the S&P Stock Market Index without downside risk. When the S&P Index goes up year-over-year, scheduled annuity payments go up. If the index declines, the annuity payments remain the same.

Check out the link below for an explanatory video and more information.

https://patrickfarber.com/structured-settlements-alert/inflation-protected-annuity-payments-for-attorney-fees/

Skyrocketing gas prices and sinking investment portfolios are taking a toll. Prices were already heading upward before t...
03/26/2026

Skyrocketing gas prices and sinking investment portfolios are taking a toll. Prices were already heading upward before the Iran war, but now, people are seeing a real hit to their pocketbooks. Those with structured settlement annuities are in a better position than others to weather the storm.

Structured settlement annuities provide guaranteed, tax-free income to injured individuals regardless of what the markets do or what’s happening overseas.

Funds within the annuity are backed by the financial strength of the issuing insurance company. These companies can only legally invest settlement funds in safe, government-backed investment vehicles, so holders know their money is secure.

Some structures include an inflation component. Annuity payments increase based on the inflation rate.

No one knows how long the current inflation and market volatility will last. For injured individuals who need to decide where to place their settlement proceeds, structured settlements are an attractive option to safeguard against current and future uncertainties.

For questions about structured settlements, please feel free to give me a call or contact me. https://patrickfarber.com/contact/










Alert

Attorneys Robert Wood and Alex Brown recently wrote an article on Qualified Settlement Funds (QSFs). Here are some of th...
03/25/2026

Attorneys Robert Wood and Alex Brown recently wrote an article on Qualified Settlement Funds (QSFs). Here are some of the highlights.

Defendants benefit from a QSF because they can deduct settlement payments immediately upon payment to the QSF, even if it takes years to actually settle the plaintiff’s dispute.

Plaintiffs benefit because when settlement funds are held in a QSF, plaintiffs then have time to plan how to eventually receive the funds (i.e., structured settlement, lump sum payout) without taking receipt of the funds for tax purposes.

QSFs are not required to be trusts, administrators are not required to be licensed trust companies, and QSFs do not need to be approved by and subject to the continuing supervision of a court of law. They can be those things, but they are not legally required.

QSFs do not take the place of structured settlements. A QSF is the vehicle used by the QSF administrator to purchase a structured settlement annuity. QSFs are temporary holding accounts for settlement funds until decisions are made on how the funds will be distributed.

Follow this link to read Robert and Alex’s article:
https://www.woodllp.com/Publications/Articles/TaxAlert/IRS_Rules_Give.pdf

For questions about QSFs and structured settlements, please feel free to give me a call or contact me.

The job site Indeed just released its Job Postings Index. As of October 31, the number of job postings was the lowest si...
12/23/2025

The job site Indeed just released its Job Postings Index. As of October 31, the number of job postings was the lowest since February 2021, down 6.5 percent from last year.

Amazon, UPS and Target recently announced layoffs that will total 60,000 this year.

Factors impacting the job market include decisions made in Washington, natural disasters, consumer shifts and, of course, companies quickly embracing AI as a way to cut costs.

More info here: https://patrickfarber.com/structured-settlements-alert/job-openings-decline-making-case-for-structured-settlement-income-security/

Legal complaints are already being filed after the devastating fires in Los Angeles and Ventura counties. Whether they w...
02/28/2025

Legal complaints are already being filed after the devastating fires in Los Angeles and Ventura counties. Whether they will go forward as individual claims or as class actions is undecided. What is certain is that plaintiffs and/or attorneys in these cases have the option to structure the settlements or attorney fees they may receive.

For more on how it works check out this page on my site.
https://patrickfarber.com/all/structuring-settlements-attorney-fees-fire-related-lawsuits/

Ten-year U.S. Treasury bond yields are the highest since April 2024, with some financial analysts expecting yields to re...
01/14/2025

Ten-year U.S. Treasury bond yields are the highest since April 2024, with some financial analysts expecting yields to reach 5 percent as inflation worries reappear. For personal injury claimants, the rate increase is good news.

Rising Rates And Annuities. The Federal Reserve had just started cutting interest rates after years of pushing them higher, but with new inflation fears, it may put the brakes on further cuts.

What does that mean for an injured party considering a structured settlement? Find out more at the link below.

https://patrickfarber.com/structured-settlements-alert/interest-rates-good-for-structured-settlements/

PTSD allegations often arise in personal injury cases. The question is: are damages awarded because of PTSD tax-free?Wit...
12/03/2024

PTSD allegations often arise in personal injury cases. The question is: are damages awarded because of PTSD tax-free?

With PTSD now being thought of as a physical injury instead of an emotional injury, its tax-free status would appear clear. Yet, a recent case involving PTSD damages found that a case’s litigation description and its legal framing were more important than whether PTSD was a physical or emotional injury.

Tax attorney Robert W. Wood recently wrote about the subtleties that come into play when the IRS is determining whether PTSD damages are excluded from taxation. He noted that physical injuries or sickness are excluded under IRS Code Section 104, but emotional distress is generally taxable.

More info here: https://patrickfarber.com/structured-settlements-alert/settlement-damages-ptsd-tax-free/

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