What Is a Structured Settlement? Articles - FAQs My husband and I were injured in a bus accident. My husband will be out of work for a year and my part-time income cannot support our family. Our attorney says a structured settlement will give us regular payments, but he has not put one together. He would hire an expert. Should we trust him? What kind of questions should I ask? Should I shop around? My personal injury attorney is encouraging me to take a structured settlement rather than a lump sum for a permanent injury. What is a structured settlement and why might it be better for me than a lump sum payment? My six-year old son was hit by a car and will be disabled for the foreseeable future with ongoing medical and hospital costs. My husband says that the court will probably require us to do a structured settlement. What does this mean and why would the court require us rather than take a lump sum and investing it ourselves? What types of structured settlements are available and what are the differences?