Individuals seeking companies that help with lump sum cash payments can consult consumer review websites, or check to see if insurers, such as Mutual of Omaha, handle structured settlements. As of 2015, J.G. Wentworth, Peachtree Financial Solutions and Settlement Capital Corporation offer financial services that include structured settlements.
Companies that handle lump sum payment awards typically arrange structured payment agreements for clients through the court system. Structured settlements help individuals split the lump sum into a series of payments over a predetermined time. Alternatively, companies can also assist with cashing out a settlement annuity, allowing clients to receive a lump sum of cash instead of periodic payments. Lump sum payments typically require approval from a state judge, which can take up to several months.