Inherited a Structured Settlement?
Your 5 Options Explained
68% of beneficiaries do not know they can sell inherited payments. This guide covers every option, tax rule, and next step.
Critical First Step: What Type?
Your 5 Options
Tax Rules for Inherited Settlements
IRC 104(a)(2) exclusion passes to beneficiary.
IRC 104(a)(1) excludes workers comp from income.
Payments taxable to original recipient remain taxable to beneficiary.
Quiz: Know Your Rights
1. Life contingent settlement: what happens at death?
2. Period certain: need court approval to keep receiving?
3. Are inherited PI settlement payments taxable?
4. What document determines if payments continue?
5. Can you sell inherited SS payments?
Frequently Asked Questions
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26 U.S.C. 104(a)(2) — Tax exclusion for PI damages.
26 U.S.C. 5891 — 40% excise tax on unapproved transfers.
IRS Publication 4345 — Settlements Taxability.
NCOIL Model Structured Settlement Protection Act.
Beneficiary transfer data from 12 major annuity issuers (2024-2026).