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The Pension Company is one of the founding companies in the structured settlement industry,
and has been exclusively involved in the arrangement of structured settlements for injured
parties for over 25 years. When working with TPC, you will find many key attributes that
make us distinctive from our competitors.
Local Service and Centralized Support
The Pension Company is a national corporation with consulting offices around the country to
provide you with the support you need during the settlement process.
The Pension Company strictly adheres to the concept of a central office providing financial
and administrative services to our regional consultants and clients. If your regional consultant
is unavailable, our home office support staff has access to every file and can provide immediate
assistance. During business hours, no voicemail is used at our headquarters. This ensures that
immediate case assistance is always available for your important case.
Compare this to many of our competitors who operate as “one-man shop” franchises of large,
de-centralized corporations. This often results in sporadic service, endless voice-mails
and slow turn-around time.
Our unique corporate design of local service and centralized support provides unparalleled service.
Our highly experienced home office staff has the industry knowledge, contacts, and ability to
handle the complexities inherent in significant cases. These reasons, among others have
resulted in TPC enjoying the largest average case size in the industry.
Services
Individuals with physical injuries often have unique financial needs. For example, injured
individuals may require expensive lifetime care requiring a secure and consistent income stream.
Because TPC provides financial services only for the benefit of injured individuals, we are uniquely
qualified to anticipate, recognize and satisfy these special needs. To this end, TPC strives to
develop and implement the strongest possible financial program for every claimant, taking into
consideration, among other things:
- Income
- Maintenance
- Medical care
- Financial security
- Rate of return
- Taxes (Income and Estate)
- Inflation
- Spendthrift protection
- Claimant preferences
- Family and dependents
- Public benefits protection with Special Needs Trusts to protect public benefits
In addition to financial planning, as part of our commitment to the efficient resolution of
litigation and the proper management of settlement payments, upon request, TPC provides a wide
range of services at every stage of the litigation process, including:
- Economic damage analysis
- Life care plan analysis
- Consultation
- Negotiation assistance
- Plan presentation
- Attendance at conferences, mediations and trials
- Meeting with the plaintiff and plaintiff attorney
Although the services provided by TPC vary from case to case, these services are always provided
at no cost to the plaintiff or defendant. TPC never charges any party for consulting services,
financial planning, money management, or time or travel expenses.
Products
At the heart of almost every TPC-designed structured settlement is a customized annuity issued
and guaranteed by one of America’s strongest life insurance companies. Unlike other financial
products, this form of structured settlement provides a legally recognized and protected stream
of income which is guaranteed and tax-free, and which can be designed, in terms of amount and timing,
to match the expected needs of any party, even if those needs are life-long. An annuity is the only
financial vehicle in the marketplace that contractually guarantees payments for a lifetime. Because
of its unique advantages and extraordinary flexibility, we believe that the structured settlement
annuity should be central to almost any financial plan designed for an injured individual, with other
financial products supplementing that plan where appropriate.
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