Every state has its own Structured Settlement Protection Act. Select your state for a complete guide to local laws, court approval, and your free lump sum estimate.
Click your state to see its SSPA law, court approval requirements, and get an instant lump sum estimate with our free calculator.
Every state has passed its own Structured Settlement Protection Act (SSPA). While the core rule — court approval required — is the same everywhere, the details vary and can affect your timeline and process.
All 50 states require a judge to approve structured settlement sales. The court reviews whether the transfer is in your best financial interest before it can proceed.
Most states require buyers to disclose the discount rate and effective annual return to you at least 3 days before you sign. Some states require up to 10 days. Your state guide details the exact requirement.
From signing the purchase agreement to receiving your lump sum, most states take 45–90 days. Larger states with busy courts may take longer. Rural counties often move faster.