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Structured Payments or Lump Sum Cash Now?

Lottery winners who want or need the money now can sell their annuity payments for a lump sum cash payout. Personal injury structured settlement recipients, who have many accumulated bills, may want to enlist the services of a structured settlement buyer.
Are you better off keeping or selling structured settlement payments. From a financial point of view, it depends on the interest rate reflected in the annuity payment. On the other hand, if you're in a financial bind a lump sum cash option is the way to go.
Whatever your decision, it good to know you do have the option to make use of your money from your structured settlement payments to take of present needs.