Law360, New York ( February 25, 2016, 1:47 PM EST) -- A structured settlement annuity (SSA) that pays at a predefined periodic frequency is often employed (in lieu of lump-sum payout) in resolving personal injury cases. SSAs have received wide support from various organizations, including American Association of People with Disabilities, Congressional Structured Settlements Caucus, National Consumer League and the trial bar. The use of these SSAs, in high-damage cases, is widespread to the extent that some in legal professionals are of the opinion that not considering structured settlement is bordering on malpractice. The indiscriminate use of SSAs raises questions about adequate consideration for the inherent risks in SSAs while touting the benefits to individual plaintiffs. This article highlights certain elements of SSAs that should be considered in conjunction with the plaintiffs' needs before subscribing to an SSA....