Settlement Decisions
Eligibility checker · 30 seconds

Can your payments be sold?

Pick your payment type and answer six quick questions. You’ll see whether payments like yours are usually sellable, what could get in the way, and the documents a buyer and court will ask for.

Med F., Settlement AnalystUpdated October 29, 2026

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Quick answer

Can I sell my structured settlement payments?

Usually, yes, if they’re guaranteed structured settlement payments from an injury or workers’ comp case and you’re an adult receiving them. Every sale needs a judge’s approval under your state’s protection act.

Social Security, pensions, VA disability and child support generally can’t be sold. Inherited, life-contingent and lottery payments often can, with extra review.

Related: types of payments · selling workers’ comp payments

FAQ

Frequently asked questions

What kinds of payments can be sold?
Guaranteed structured settlement payments from injury and many workers' comp cases are the most commonly sold. Inherited, lottery and annuity payments can often be sold too, with extra review. Social Security, pensions, VA disability and child support generally can't be sold.
Do I need court approval to sell?
Yes, for structured settlement payments. Every state's Structured Settlement Protection Act requires a judge to approve the transfer as being in your best interest.
Can I sell payments if I'm in bankruptcy?
Possibly, but the bankruptcy trustee or court usually has to be involved. Talk to a bankruptcy attorney first.
What if I've already sold some payments?
You can often sell more, but the buyer will need the earlier court order to see exactly which payments are still yours.

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This tool gives educational estimates only. It is not a quote, a guarantee, or legal, tax or financial advice. Actual offers depend on your payment schedule, the annuity issuer, the buyer and your state's court. Talk to a qualified financial advisor and, where your state requires it, an independent professional before you sell.