Best Option for an MSA

Why a Structured Settlement May Be the Best Option for an MSA

A Medicare Set Aside (MSA) is the preferred vehicle for protecting Medicare’s interest. There are two options for funding an MSA: a lump sum or a structured settlement. A common misconception that attorneys have about structured settlements is that they are a time-consuming task. They figure, why bother when it’s likely that their client will prefer a lump sum payment. Contrary to what some attorneys believe, funding an MSA with a structured settlement may be the best option for some clients.

Why Choose a Structured Settlement?

Structured settlements can save your client’s money over time because it allows you to fully fund the Medicare set aside allocation at the lowest cost possible. This is cheaper than funding with cash. Once the funds are exhausted within an annual period, Medicare will then pay medical costs for the remainder of that period. With a lump sum, on the other hand, the MSA must be depleted entirely before Medicare resumes as the primary payer.

Benefits of a Structured Settlement

Attorneys must remember their obligation to their clients when resolving their cases. It is to first protect Medicare’s interest while maximizing their client’s settlement proceeds to secure their future financial needs. Benefits of a structured settlement include:

  • Long-term security
  • Tax-free income
  • Low risk
  • Protection from economic uncertainty
  • No ongoing management fees
  • Flexible payment options to meet client’s current and future needs

Why a Settlement Planner is Necessary

When it comes to structured settlements and Medicare set aside allocation, you cannot afford to have a “leave well enough alone” mindset. These settlements are meant to ensure that your client is properly cared for financially for the remainder of their life. The decision to use a structured settlement must be made before finalizing your client’s settlement. If you feel that you are not sufficiently knowledgeable about MSAs consider bringing in the experts at Synergy Settlement Solutions to help you plan your client’s structured settlement and to guard yourself against malpractice exposure.

For more information or to schedule a consultation, please submit our contact request form or call (877) 242-0022.

Disclaimer: The information contained in this article is for general educational information only. This information does not constitute legal advice, is not intended to constitute legal advice, nor should it be relied upon as legal advice for your specific factual pattern or situation.


"I was smart enough to hire Synergy Lien Resolution Services. Kudos to Synergy for tracking down ALL the medical bills, hounded Medicaid to pay them all, got all providers to state zero balances and then negotiated Medicaid down to accept $30K [down from 200k] to wipe out all of the medical bills."

Marianne Howanitz, Esq
Marianne Howanitz Law Offices

I wanted to pass my highest recommendation to Synergy who we routinely get involved in cases when Medicare issues come up, especially when dealing with Medicare Set Asides. Synergy went beyond the call of duty in a recent case that was settled and dealt one-on-one with our clients and their family. They spent time on the phone with them to be sure they got all their questions answered and did a fantastic job dealing with Medicare.

J. Daniel Clark
Clark Martino, P.A.

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