Straight answers before you sell a single payment
Settlement Decisions is a plain-English resource for people who receive structured settlement, annuity or lottery payments. The goal is simple: help you understand what your payments are worth, what a sale really costs, and when not selling is the better choice, before you talk to any buyer.
Med F.
Founder & Settlement Analyst
Meet the founder
Who writes this site
Med founded Settlement Decisions to give people who receive structured settlement payments a plain-English place to understand their options before they talk to a buyer.
He researches and writes the site’s guides, calculators and buyer comparisons: how discount rates are priced, what each state’s Structured Settlement Protection Act requires, how court approval works, and how a sale interacts with taxes and benefits.
Every article carries his name and an “Updated” date, so you always know who stands behind the information and how current it is.
What this site is not
Med is not a lawyer, accountant or certified financial planner, and Settlement Decisions is not a law firm, a financial advisor or a buyer of payments. The guides explain how the process works; they are not personal financial, legal or tax advice.
Before you sell, talk to a qualified financial advisor and, where your state requires it, an independent attorney who isn’t paid by the buyer.
What you'll find here
Built to help you decide, not to rush you
Plain-English guides
How selling works, what it really costs, taxes, court approval and the options people often miss, written so you can follow every step.
Free calculators and tools
Present-value calculators, an offer analyzer and decision tools that show the math, so you can check any number yourself.
Buyer comparisons
What to look for in a buyer, the questions to ask, and the red flags that should stop you from signing.
State law, explained
What your state's Structured Settlement Protection Act requires, from disclosure periods to the court hearing.
How we research
Every number, checked at the source
The same standards apply to every guide, tool and comparison on the site.
- Legal statements are checked against the statute itself, such as 26 U.S.C. § 5891 and each state's Structured Settlement Protection Act.
- Payout examples use the standard present-value formula, so every number on the site can be reproduced with a calculator.
- Figures like contribution limits, exemption amounts and earnings limits are taken from the official source (IRS, SSA, U.S. Courts, NAIC) and dated.
- Buyer information comes from public sources such as court filings, BBB profiles, regulators and the buyers' own disclosures.
- When a fact changes, the page and its "Updated" date are changed. No invented reviews, testimonials, experts or statistics.
How the site makes money
Free for you, and clear about who pays
Every guide and tool is free. When you ask to be contacted about selling payments, we pass your request to a structured settlement funding company we work with, and that company may pay us a referral fee.
That relationship never changes what our guides say about rates, fees, risks or when not to sell. You’re never charged anything by us, and asking for a quote never commits you to selling.
Spotted an error or have a question?
Corrections are taken seriously and fixed fast. Email us and a real person will reply.
offers@settlementdecisions.com