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If you are wondering whether or not you should consider a Structured or a Periodic Payment plan for your settlement, you should consider the following three major advantages that would not be available to you should you decide to go the lump sum payment route in stead.

Here are four major advantages that a periodic payment settlement offers over a lump sum settlement:

• Tax-Free Revenue Stream: Congress has enacted a special rule (I.R.C. 104 (a) (2) of the Internal Revenue Code of 1986, as amended) to make all such periodic payments exempt from taxation. The aforementioned tax code allows for the interest to be accrued tax-free and be used to pay for the periodic payments you would be receiving under your structured payments periodic plan. Had you chosen to first receive your settlement award in a lump sum amount, and if you were to invest it thereafter on your own, any interest so generated would not be tax-exempt. Therefore, the net result of using a structured settlement would be more money in your pocket.