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a structured settlement is a special planning tool that allows folks receiving personal injury settlements choose part of their settlement right away while receiving the rest of the money and payments spread out over a certain number of years these payments are guaranteed tax-free income and the payment plan can be set up in a specific way that meets your individual needs such as a certain amount of income each year our particular number of years that youd like to receive the payments if youre interested in a structured settlement you should contact a structured settlement organization and set up an account