For injury victims
Turn your settlement intosecuritythat lasts a lifetime.
After a personal-injury settlement, Minted helps you turn the money into lifelong security — structured tax-free income, protected Medicaid and SSI, and planning for future medical costs, as an independent fiduciary.
Why it matters
Won once.
Made to last.
A settlement has to carry you for years — sometimes for the rest of your life. Taken as an unplanned lump sum, it’s often gone within a few years, to taxes on what you earn investing it, market losses, and the weight of a life upended by injury. A structured plan converts that one-time award into protected, income-tax-free payments that endure. The same recovery; a very different lifetime.
Lump sum vs. structuredWhat we do for you
A plan for the whole picture
Income, taxes, benefits, and future medical care — coordinated as one fiduciary plan.
Structured, tax-free income
We can convert your award into guaranteed periodic payments that can’t be outlived. For physical-injury claims, those payments — and the growth inside the annuity — are income-tax-free under IRC §104(a)(2), and shielded from market swings.
How structured settlements workProtect your Medicaid & SSI
Needs-based benefits have an SSI countable-resource limit of just $2,000 for an individual, so an unplanned lump sum can cost you your benefits. A first-party special needs trust under 42 U.S.C. §1396p(d)(4)(A), a pooled trust, or an ABLE account can keep your eligibility intact.
How we preserve benefitsPlan for future medical costs
For serious injuries, future care is often the biggest cost ahead of you. Starting from a life-care plan, we fund that care into your plan — including a Medicare Set-Aside where future injury-related treatment is foreseeable — the step most planners overlook.
How medical-cost planning worksThe whole picture
Income, taxes, future medical costs, and benefits are one connected plan, not separate decisions. As an independent fiduciary, we coordinate all of it and walk you through every choice in plain English.
Comprehensive planningOur fiduciary promise
On your side, by law.
As an independent fiduciary, we are legally bound to put your interests first and to disclose how we’re paid. Many structured-settlement brokers are paid a commission by the annuity company — commonly about 4% of the premium — and owe you no such duty. We answer to you.
- Legally bound to act in your best interest — and to disclose how we’re paid
- Independent — we recommend what’s right for you, not what pays a commission
- Whole-picture planning: income, taxes, benefits, and future medical costs together
- Plain-English guidance, and support for the life of your plan
Common questions
Answers, before you ask.
Clear, sourced answers about taxes, benefits, and how a structured settlement works.
See the full FAQCompensation for physical injuries or physical sickness is generally excluded from your income under IRC §104(a)(2), whether you take it as a lump sum or as structured payments. Some pieces can still be taxable — punitive damages, and interest on the settlement — so how the agreement is written matters.
It can. Medicaid and SSI are needs-based, with an SSI countable-resource limit of just $2,000 for an individual ($3,000 for a couple). An unplanned lump sum can push you over that limit and suspend or end benefits. A first-party special needs trust under 42 U.S.C. §1396p(d)(4)(A), a pooled trust, or an ABLE account — often paired with structured payments — can preserve your eligibility. Medicare and SSDI are not needs-based and are generally unaffected.
A structured settlement converts your award into a stream of periodic payments funded by an annuity, built on an IRC §130 qualified assignment. For physical-injury claims the payments — and the growth inside the annuity — are income-tax-free under IRC §104(a)(2), the income can’t be outlived, and it is protected from market swings and dissipation. The trade-off is that the schedule is fixed and can’t be changed once set.
For serious injuries, future care is often the largest cost you face. We start from a life-care plan — a projection of your future treatment, equipment, and care — and build funding for it into your plan, including a Medicare Set-Aside where future injury-related care is foreseeable, so the care you need is paid for over your lifetime.
As an independent fiduciary, we are legally bound to act in your best interest and to disclose how we are paid. Many structured-settlement brokers are insurance producers paid a commission by the annuity company (commonly about 4% of the premium) and owe no fiduciary duty. We evaluate the whole toolkit — lump sum, structure, and trusts — and recommend what is right for you, not what pays a commission.
No. Settlements are commonly split — part taken upfront for immediate needs like debt, a vehicle, or home modifications, and part structured for protected long-term income. We help you decide the right mix based on your injury, age, benefits, and goals, as part of a whole-picture plan.
Let’s protect what you’ve recovered.
Talk to an independent fiduciary about turning your settlement into lifelong security.