# Henderson Structured Settlements LP | Guaranteed and Tax-Free Payment Plans > For over 35 years, Henderson Structured Settlements LP has been a recognized leader in the Canadian structured settlement market. We specialize in creating guaranteed, tax-free payment plans for injured people. Acting as a > ## Core Value Proposition * **For Claimants:** A structured settlement provides peace of mind through a secure, guaranteed payment stream that is 100% tax-free with no management fees. * **For Lawyers:** We provide no-cost illustrative and evaluative reports to assist in personal injury claims, ensuring the long-term financial security of the client. * **For Insurance Professionals:** We assist in quantifying and settling claims with no-charge reporting services. ## Services & Capabilities - **Settlement Planning:** Tailoring payment plans to meet specific medical and lifestyle needs. - **Support Services:** Attending mediations, pre-trials, and arbitrations to assist in settlement discussions. - **Reporting:** Providing Present Value and Life Expectancy calculations. ## Authorized Carriers *Henderson Structured Settlements LP is licensed with the only three providers in Canada:* 1. **Sun Life Assurance Company of Canada** 2. **The Canada Life Assurance Company** 3. **BMO Life Assurance Company** *(Note: Manulife exited the market in 2018).* ## Leadership Team (Entities) * **Barry Chobotar:** Managing Partner / Certified Structured Settlement Consultant. * **Jessica Vickerman:** Partner / Structured Settlement Consultant. * **Michael R. Long:** Partner / Brokerage Manager. * **Joe Pileggi:** Structured Settlement Consultant. * **Colleen Weber:** Structured Settlement Consultant. ## Tools & Resources - **Calculators:** Present Value and Life Expectancy calculators available via web and app. - **Request Reports:** Options to request evaluative or illustrative reports directly. ## Pages - [Colleen Weber](https://henderson.ca/colleen-weber/): Colleen Weber https://henderson. ca/wp-content/uploads/2026/01/colleen-weber-bio. jpgEMAIL COLLEEN COLLEEN WEBER, FCIP, CSSC, CFP® Structured Settlement Consultant For over 30 years, Colleen has... - [Blog](https://henderson.ca/blog/): BlogRead more about what's new at Henderson Structured Settlement LP, such as updates on our Making the Links Golf Classic... - [Jessica Vickerman](https://henderson.ca/jessica-vickerman/) - [Barry Chobotar](https://henderson.ca/barry-chobotar/) - [Download Our App](https://henderson.ca/download-our-app/): Download Our AppThe Henderson Structured Settlements LP Present Value Calculator tool assists in determining the value of a personal injury... - [Contact Us](https://henderson.ca/contact-us/) - [Request a Seminar](https://henderson.ca/seminars/): Request a SeminarHenderson Structured Settlements LP will come into your office to present our structured settlements seminar. It is an... - [Publications](https://henderson.ca/publications/): Publicationshttps://henderson. ca/wp-content/uploads/2020/12/Publicationsimage. jpgDEMYSTIFYING STRUCTURED SETTLEMENTSDOWNLOAD PDF (EN)DOWNLOAD PDF (FR)https://henderson. ca/wp-content/uploads/2020/12/Userguide. jpgTHE USER'S GUIDE TO STRUCTURED SETTLEMENTSDOWNLOAD PDF (EN)DOWNLOAD PDF (FR)PERIODICAL... - [Client Support Materials](https://henderson.ca/client-support-materials/): Client Support Materials OFFER TRACKING SHEETS https://henderson. ca/wp-content/uploads/2020/12/trackingsheet. jpgTORT OFFER TRACKING SHEETThe Tort Offer Tracking Sheet is designed to assist... - [Calculators](https://henderson.ca/calculators/): CalculatorsREQUEST EVALUATIVE REPORTCALCULATEPRESENT VALUE DAMAGES CALCULATOR - 3RD PARTY CLAIMSThe Present Value Damages Calculator will determine the approximate present value... - [Tools & Resources](https://henderson.ca/tools-resources/): Tools & Resources CALCULATORS Click to access our Present Value and Life Expectancy calculators. CLIENT SUPPORT MATERIALS View downloadable materials... - [Reports](https://henderson.ca/reports/): Reports Henderson Structured Settlements LP offers expert pre-settlement claim valuation services in an industry leading turnaround time. Our evaluative and... - [Services](https://henderson.ca/services/) - [Claimants](https://henderson.ca/claimants/): Claimants What are your long-term needs? Having a guaranteed plan is a necessity. This is especially important if a settlement... - [Insurance Claims Professionals](https://henderson.ca/insurance-claims-professionals/): Insurance Claims Professionals When you work with Henderson Structured Settlements LP, you are working with Certified Structured Settlement Consultants who... - [Personal Injury Lawyers](https://henderson.ca/personal-injury-lawyers/) - [Community](https://henderson.ca/community/): Community Henderson Structured Settlements LP organizes the Making The Links Golf Classic in support of Hamilton Health Sciences Foundation, OBIA... - [Our Pledge](https://henderson.ca/our-pledge/): Our Pledge Henderson Structured Settlements LP pledges the best to you. OUR PLEDGE Henderson Structured Settlements LP is contracted with... - [About Us](https://henderson.ca/about-us/): About Us For over 35 years, Henderson Structured Settlements LP has been and continues to be a recognized leader in... - [Home](https://henderson.ca/): A STRUCTURED SETTLEMENT IS A Guaranteed and Tax-Free Payment Plan for Injured People Learn MoreLAWYERS At no-cost to you or... ## Posts - [Henderson Welcomes Colleen A. Weber, FCIP, CSSC, CFP®](https://henderson.ca/blog/henderson-welcomes-colleen-a-weber-fcip-cssc-cfp/) - [In Memoriam - Gerri Straus](https://henderson.ca/blog/in-memoriam-gerri-straus/): https://henderson. ca/wp-content/uploads/2023/05/Gerri-Straus-banner-1. jpg It is with great sadness that we announce the passing of Gerri Straus on April 17, 2023,... - [Preserving ODSP Eligibility](https://henderson.ca/blog/preserving-odsp-eligibility/): https://henderson. ca/wp-content/uploads/2021/09/wheelchair-at-home. jpg What are Ontario Disability Support Payments? In Ontario, disability benefits are known as “Ontario Disability Support Payments”... - [Henderson Structured Settlements - Your Full-Service Brokerage](https://henderson.ca/blog/henderson-structured-settlements-your-full-service-brokerage/): At Henderson, we proudly refer to ourselves as a "full-service" brokerage capable of handling all aspects of our clients' structured... - [Manulife To Exit Structured Settlement Market](https://henderson.ca/blog/manulife-to-exit-structured-settlement-market/): Manulife has announced that they will be discontinuing the sale of structured settlements, effective June 29, 2018, as they look... - [Our Ontario Location Has Moved](https://henderson.ca/blog/our-ontario-location-has-moved/): Our Ontario office is now located at: 4145 North Service Road Suite 108 Burlington ON L7L 6A3 Our other contact... - [Canadian Life Expectancy Rates](https://henderson.ca/blog/2018-life-expectancy-rates/): https://henderson. ca/wp-content/uploads/2020/12/statisticaldigits. png When it comes to aging people will often say that you're only as old as you feel... - [The Value of a Structured Settlement Consultant At A Mediation or Settlement Meeting](https://henderson.ca/blog/the-value-of-a-structured-settlement-consultant-at-a-mediation-or-settlement-meeting/): https://henderson. ca/wp-content/uploads/2020/12/Birdperchedonfinger. jpgBy Geraldine Straus, LL. B. , CSSC, Partner/ConsultantFor more information or to schedule an appointment, please contact us.... - [“Ontario Court of Appeal Rules Structured Settlements Are Not Property”](https://henderson.ca/blog/ontario-court-of-appeal-rules-structured-settlements-are-not-property/): https://henderson. ca/wp-content/uploads/2020/12/gavelbylegalbooks. jpg While many couples believe when they enter into Marriage, either formally, or via a common-law relationship, they... # # Detailed Content ## Pages - Published: 2026-01-23 - Modified: 2026-01-23 - URL: https://henderson.ca/colleen-weber/ Colleen WeberEMAIL COLLEENCOLLEEN WEBER, FCIP, CSSC, CFP® Structured Settlement Consultant For over 30 years, Colleen has devoted her career to working in the structured settlement industry. Colleen completed the Certified Structured Settlement Consultant (CSSC) program in 2000. She obtained a diploma in Business Administration from Wilfrid Laurier University in 2002 and a Fellow Chartered Insurance Professional (FCIP) designation in 2004. She obtained a CERTIFIED FINANCIAL PLANNER® certification in 2010. Colleen has extensive experience arranging tax-free structures for tort and accident benefits settlements and is passionate about helping injured individuals secure their future. She has conducted seminars throughout the insurance industry and the legal community on the benefits of structured settlements and has spoken at industry conferences and events. Colleen is a member of the Chartered Insurance Professionals’ Society. - Published: 2020-12-15 - Modified: 2020-12-22 - URL: https://henderson.ca/blog/ BlogRead more about what's new at Henderson Structured Settlement LP, such as updates on our Making the Links Golf Classic Tournament and our Blog Posts. The latest industry and/or Henderson Structured Settlements LP news. Henderson Welcomes Colleen A. Weber, FCIP, CSSC, CFP® Henderson Structured Settlements is pleased to welcome Colleen Weber as a Structured Settlement Consultant, further strengthening our ability Ashley Hurst2026-01-23T10:06:22-05:00January 23, 2026| In Memoriam – Gerri Straus It is with great sadness that we announce the passing of Gerri Straus on April 17, 2023, after a admin2023-09-07T15:55:17-04:00May 9, 2023| Preserving ODSP Eligibility What are Ontario Disability Support Payments? In Ontario, disability benefits are known as “Ontario Disability Support Payments” or admin2025-07-17T09:54:18-04:00September 16, 2021| Henderson Structured Settlements – Your Full-Service Brokerage At Henderson, we proudly refer to ourselves as a "full-service" brokerage capable of handling all aspects of our clients' admin2025-07-17T09:53:42-04:00May 31, 2021| Manulife To Exit Structured Settlement Market Manulife has announced that they will be discontinuing the sale of structured settlements, effective June 29, 2018, as they admin2025-07-17T09:59:25-04:00June 27, 2018| Our Ontario Location Has Moved Our Ontario office is now located at: 4145 North Service Road Suite 108 Burlington ON L7L 6A3 Our other admin2023-01-24T16:46:05-05:00December 21, 2017| 12Next - Published: 2020-12-14 - Modified: 2026-05-08 - URL: https://henderson.ca/jessica-vickerman/ Jessica VickermanEMAIL JESSICAJESSICA VICKERMAN, B. A. , LL. B. Structured Settlement Consultant Jessica obtained her B. A. (Hons. ) in Political Science and Communication Studies from Wilfrid Laurier University, where she graduated with Distinction, and her LL. B. from Western University, where she was the recipient of the Dean of Law scholarship. She was called to the Ontario Bar in 2009. Prior to joining Henderson Structured Settlements LP, Jessica spent a decade in private practice as a civil litigator in a full-service firm with a specific focus on the areas of insurance defence, personal injury and professional negligence. Jessica has acted for both plaintiffs and insurers in all manner of tort and accident benefit claims. Jessica is a member of the Canadian Bar Association and Ontario Bar Association. - Published: 2020-12-14 - Modified: 2026-05-08 - URL: https://henderson.ca/barry-chobotar/ Barry ChobotarEMAIL BARRYBARRY CHOBOTAR, H. B. COMM. , J. D. , CSSC Managing Partner/Certified Structured Settlement Consultant Barry Chobotar is a graduate of both Laurentian University and Osgoode Hall Law School. Barry was called to the bar in 2002 and, prior to joining Henderon Structured Settlements LP, practiced in the field of Civil Litigation, specifically in the areas of personal injury and insurance defence matters. In 2011, Barry received the designation of Certified Structured Settlement Consultant. Barry has notable trial experience in the personal injury field as junior counsel on two of the largest known personal injury verdicts in Canadian history. Barry has written articles and presented to lawyers, insurer representatives and health and insurance professionals across Canada on issues concerning structured settlements and personal injury law. - Published: 2020-12-14 - Modified: 2020-12-17 - URL: https://henderson.ca/download-our-app/ Download Our AppThe Henderson Structured Settlements LP Present Value Calculator tool assists in determining the value of a personal injury award. In addition to the Present Value Calculator, the app also includes a Life Expectancy Calculator which calculates both a person's average life expectancy and a person's "working life to age 65" value. PLEASE CHOOSE YOUR DEVICE:AVAILABLE ON THE APP STORE DOWNLOAD FOR APPLEANDROID APP ON GOOGLE PLAY DOWNLOAD FOR ANDROID - Published: 2020-12-14 - Modified: 2026-05-08 - URL: https://henderson.ca/contact-us/ Contact UsWhen it comes to structured settlements, we don't compromise. We don't think you should either. Henderson Structured Settlements LP is here to help! Contact us today. Henderson Structured Settlements LPToll Free: 1-800-263-8537 Email: henderson@henderson. ca BURLINGTON 4145 North Service Road, Suite 302 Burlington, Ontario Canada L7L 6A3 Phone: 905-523-6000 Fax: 905-523-6006 VANCOUVER 701 West Georgia Street, Suite 1500 Vancouver, British Columbia Canada V7Y 1C6 Phone: 604-628-9898 Fax: 604-608-1014 OUR OFFICES CONTACT US FORMQuestion or comment? Please fill out the form below and we will get back to you shortly. First Name* Last Name* Email Address* Question/Comment - Published: 2020-12-14 - Modified: 2020-12-16 - URL: https://henderson.ca/seminars/ Request a SeminarHenderson Structured Settlements LP will come into your office to present our structured settlements seminar. It is an educational piece on how to use our free services to evaluate, negotiate and settle first and third party claims with the power of present value calculators. In addition, our presentation qualifies for a 1 hour CPD Substantive credit through the Law Society of Upper Canada. Please contact us, or fill out the form below, to schedule your seminar. First Name* Last Name* Email Address* Company* Subject* Message - Published: 2020-12-14 - Modified: 2024-01-17 - URL: https://henderson.ca/publications/ PublicationsDEMYSTIFYING STRUCTURED SETTLEMENTSDOWNLOAD PDF (EN)DOWNLOAD PDF (FR)THE USER'S GUIDE TO STRUCTURED SETTLEMENTSDOWNLOAD PDF (EN)DOWNLOAD PDF (FR)PERIODICAL ARTICLES: "Understanding Structured Settlements: An Alternative Approach To Compensation" by Jessica Vickerman "Lawyers can simplify negotiations using structured settlements costs" by Barry Chobotar "The Basics of Structured Settlements Following an Acquired Brain Injury (ABI)" by Barry Chobotar "Structured Settlements... say WHAT? " by Geraldine Straus “Structured Settlements: Considerations for Older Clients” By Jessica Vickerman "Evaluate, Negotiate, Settle: Putting Structured Settlements to Work" by Jessica Vickerman - Published: 2020-12-14 - Modified: 2023-01-16 - URL: https://henderson.ca/client-support-materials/ Client Support MaterialsOFFER TRACKING SHEETSTORT OFFER TRACKING SHEETThe Tort Offer Tracking Sheet is designed to assist you keep track of offers as you progress through the course of a mediation or settlement meeting. As always, we would be pleased to attend these meetings with you to provide our expertise on a real time basis. Just another way we make it easy for you! VIEW SAMPLEDOWNLOAD SHEETAB OFFER TRACKING SHEETThe AB Offer Tracking Sheets is designed to assist you keep track of offers as you progress through the course of a mediation or settlement meeting. As always, we would be pleased to attend these meetings with you to provide our expertise on a real time basis. Just another way we make it easy for you! VIEW SAMPLEDOWNLOAD SHEETDECISION SUPPORT CHECKLISTDECISION SUPPORT CHECKLISTThe Decision Support Checklist is another one of our custom tools to assist you in finalizing settlements. These simple questions should be considered as you determine the next steps in the course of including a structure as part of the overall claim settlement. Contact us today to have us attend your next mediation or settlement meeting! DOWNLOAD CHECKLIST - Published: 2020-12-14 - Modified: 2021-03-15 - URL: https://henderson.ca/calculators/ CalculatorsREQUEST EVALUATIVE REPORTCALCULATEPRESENT VALUE DAMAGES CALCULATOR - 3RD PARTY CLAIMSThe Present Value Damages Calculator will determine the approximate present value of a future stream of income per year for a given number of years. For Ontario claims, the discount rate is set annually (as per Rule 53. 09 of the Ontario Rules of Civil Procedure) and is noted as "Ontario" in the discount rate drop-down list. For all other provinces, the appropriate discount rate will need to be selected. REQUEST EVALUATIVE REPORTCONTACT USPRESENT VALUE DAMAGES - 1ST PARTY CLAIMSThe settlement negotiations of first party claims can be complicated by disagreements regarding the proper discount rate, life expectancy and other assumptions used in the present value calculations for relevant benefits. Structured settlement costs provide a market-driven, consistent and impartial valuation of benefits, without the need for additional assumptions; they are an effective tool for greatly simplifying such negotiations. CALCULATELIFE EXPECTANCY/ WORK LIFE EXPECTANCY CALCULATORThe Life Expectancy Calculator number will display the remaining life expectancy of the average Canadian of the age shown and gender, and the average number of years until their retirement from the labour force, if applicable. To request a version of our calculators, we invite you to submit the form below. First Name* Last Name* Email Address* Company/Firm Name* Please send me your calculator in the following format: Hard CopySmartphone App - Published: 2020-12-14 - Modified: 2021-03-08 - URL: https://henderson.ca/tools-resources/ Tools & ResourcesCALCULATORSClick to access our Present Value and Life Expectancy calculators. CLIENT SUPPORT MATERIALSView downloadable materials designed to support clients. PUBLICATIONSView documents about Henderson Structured Settlements LP, and industry articles written by our team. SEMINARSRequest a training seminar for your office. ILLUSTRATIVE REPORTSObtain an Illustrative Report to detail what a payment plan would look like. EVALUATIVE REPORTSObtain an Evaluative Report to quantify what your claim is worth today. - Published: 2020-12-14 - Modified: 2021-04-09 - URL: https://henderson.ca/reports/ ReportsHenderson Structured Settlements LP offers expert pre-settlement claim valuation services in an industry leading turnaround time. Our evaluative and illustrative reports are offered whether a structured settlement is likely to result from a particular case or not. Henderson Structured Settlements LP provides detailed evaluative and illustrative reports, at no-charge. OUR NO-COST REPORTS:EVALUATIVE REPORTAn evaluative report quantifies what your claim is worth today using structured settlement quotations, taking into account what coverages are available and what the medical evidence indicates. To request an Evaluative Report please contact us today. REQUEST REPORTILLUSTRATIVE REPORTAn Illustrative Report details what a payment plan would look like. To request an Illustrative Report please contact us today. REQUEST REPORT - Published: 2020-12-14 - Modified: 2026-05-08 - URL: https://henderson.ca/services/ ServicesHenderson Structured Settlements LP is pleased to manage your structured settlement needs all across Canada. Our team has extensive knowledge and experience in the personal injury and insurance fields. Henderson Structured Settlements LP offers a wide range of no-charge services. OUR NO-COST, NO OBLIGATION SERVICES INCLUDE: Meet the injured party at their home or legal representative’s office Provide ongoing customer service for the entire term of the structured settlement Pre-settlement consulting Pre-settlement reporting (evaluative and illustrative reports) Real-time evaluative and illustrative support (at settlement meetings, mediations, etc. ) Expert evidence (at arbitrations/trials) Post-settlement structured settlement consulting and brokerage Closing documentation support Educational seminars Provide OSFI compliant year end valuations to casualty insurers DOWNLOAD OUR SERVICE PLEDGEDOWNLOAD OUR STRUCTURED SETTLEMENT GUARANTEEIF YOUR CLIENT HAS RECEIVED COMPENSATION FROM A PERSONAL INJURY OR DEATH RELATED CLAIM, YOU SHOULD CONSIDER HOW BEST TO ENSURE THEIR FINANCIAL SECURITYA structured settlement provides guaranteed, tax-free payments with no fees to you or your clients Motor Vehicle Accidents No Fault Benefits Family Law Act Claims Medical Malpractice Slip and Fall Tax-free Long Term Disability Motor Vehicle Accidents No Fault Benefits Family Law Act Claims Medical Malpractice Slip and Fall Tax-free Long Term Disability To access our services, we invite you to contact our office by phone (1-800-263-8537) or email henderson@henderson. ca, or contact one of our Certified Structured Settlement Consultants directly: BARRY CHOBOTAR H. B. Comm. , J. D. , CSSC Managing Partner/Certified Structured Settlement Consultant chobotar@henderson. ca View BioDownload Vcard - Published: 2020-12-14 - Modified: 2025-10-15 - URL: https://henderson.ca/claimants/ ClaimantsWhat are your long-term needs? Having a guaranteed plan is a necessity. This is especially important if a settlement compensates you for loss of future income earning potential. No amount of money can truly compensate for pain, suffering, disability, or the loss of a loved one, but awards or settlements do provide people with financial resources to help them as they move forward in life under challenging circumstances. WHAT ARE THE ADVANTAGES OF A STRUCTURED SETTLEMENT? Guaranteed tax-free payments Elimination of the risk of early dissipation Financial management without a fee Effectively judgement proof Not considered matrimonial property It may be used as proof of guaranteed income WHAT ARE THE ADVANTAGES OF A STRUCTURED SETTLEMENT? Guaranteed tax-free payments Elimination of the risk of early dissipation Financial management without a fee Effectively judgement proof Not considered matrimonial property It may be used as proof of guaranteed income ACCESS OUR INDUSTRY CALCULATORSSPEAK WITH ONE OF OUR ASSOCIATESA STRUCTURED SETTLEMENT PROVIDES GUARANTEED, TAX-FREE PAYMENTS WITH NO FEES TO YOU AND CAN INCLUDE SOME OF THE FOLLOWING ADVANTAGES: A structured settlement is not considered income and it may allow you to continue receiving government disability benefits Elimination of the risk of early dissipation of funds Financial management without a fee Effectively judgement proof Not considered matrimonial property It may be used as proof of guaranteed income LEARN MORE ABOUT STRUCTURED SETTLEMENTS:Q. How secure is a structured settlement? As all victims of personal injuries can attest, life is uncertain. A structured settlement will provide a... - Published: 2020-12-14 - Modified: 2025-10-17 - URL: https://henderson.ca/insurance-claims-professionals/ Insurance Claims ProfessionalsWhen you work with Henderson Structured Settlements LP, you are working with Certified Structured Settlement Consultants who have extensive experience in the field. All services provided by Henderson Structured Settlements LP to Insurance Claims Professionals, including evaluative and illustrative reports, are provided at no-charge. OUR REPORTS WILL ASSIST YOU IN QUANTIFYING, NEGOTIATING AND SETTLING A CLAIMOur Certified Structured Settlement Consultants are committed to providing the most thorough and expedient service in the industry. Contact us today to obtain a no-charge evaluative or illustrative report. We are also available for training and consultation. Contact us today. OUR REPORTS WILL ASSIST YOU IN QUANTIFYING, NEGOTIATING AND SETTLING A CLAIMOur Certified Structured Settlement Consultants are committed to providing the most thorough and expedient service in the industry. Contact us today to obtain a no-charge evaluative or illustrative report. We are also available for training and consultation. Contact us today. REQUEST OUR NO-CHARGE REPORTSACCESS OUR INDUSTRY CALCULATORSSPEAK WITH ONE OF OUR ASSOCIATESOUR REPORTS WILL ASSIST YOU IN QUANTIFYING, NEGOTIATING AND SETTLING A CLAIM. By using structured settlement quotes we can determine a valuation of your claim which can provide a basis for negotiation and settlement. Our staff is committed to providing the most thorough and expedient service in the industry, and are ready to assist you at any time. Our structured settlement experts are also available for training and consultation. We invite you to contact one of our Certified Structured Settlement Consultants with any questions, or to obtain a no-charge evaluative or... - Published: 2020-12-14 - Modified: 2026-05-08 - URL: https://henderson.ca/personal-injury-lawyers/ Personal Injury LawyersLearn when a structured settlement should be considered, as well as what information a structure broker will require. If your client has received compensation from a personal injury or death related claim, you should consider how best to ensure their financial security. WHAT ARE THE BENEFITS OFA STRUCTURED SETTLEMENT? Guaranteed tax-free payments Elimination of the risk of early dissipation Financial management without a fee Effectively judgement proof Not considered matrimonial property WHAT ARE THE BENEFITS OFA STRUCTURED SETTLEMENT? Guaranteed tax-free payments Elimination of the risk of early dissipation (vs a lump sum payment) Financial management without a fee Effectively judgement proof Not considered matrimonial property REQUEST OUR NO-CHARGE REPORTSACCESS OUR INDUSTRY CALCULATORSSPEAK WITH ONE OF OUR ASSOCIATESWHO SHOULD CONSIDER A STRUCTURED SETTLEMENT? People unable to maintain employment People with future care needs People under the age of majority People who have been declared incapable of managing their property People who are near retirement age People who are currently in receipt of or may qualify for government funded benefits People who are financially unsophisticated People unable to maintain employment People with future care needs People under the age of majority People who have been declared incapable of managing their property People who are near retirement age People who are currently in receipt of or may qualify for government funded benefits People who are financially unsophisticated HOW CAN A STRUCTURED SETTLEMENT PROTECT YOUR CLIENT'S GOVERNMENT DISABILITY BENEFITS? A structured settlement is not considered income. It may allow your client to... - Published: 2020-12-11 - Modified: 2024-03-05 - URL: https://henderson.ca/community/ CommunityHenderson Structured Settlements LP organizes the Making The Links Golf Classic in support of Hamilton Health Sciences Foundation, OBIA and SCIO. We have always been, and always will be, committed to supporting various initiatives within the community we serve. AMONG OTHER CHARITIES AND PUBLIC INSTITUTIONS, WE ARE A MAJOR SUPPORTER OF, AND FUNDRAISER FOR:Making the LinksEach year, Henderson Structured Settlements LP organizes the Making The Links Golf Classic in support of Hamilton Health Sciences Foundation, Spinal Cord Injury Ontario, and the Ontario Brain Injury Association. TO DATE, THIS EVENT HAS RAISED OVER $300,000 FOR THESE THREE EXTREMELY WORTHWHILE CAUSES THAT HELP CREATE NEW HOPE IN THE LIVES OF SO MANY PEOPLE. To learn more about the Making The Links Golf Classic, please visit www. makingthelinks. com. EventsComing Soon - Published: 2020-12-11 - Modified: 2023-01-16 - URL: https://henderson.ca/our-pledge/ Our PledgeHenderson Structured Settlements LP pledges the best to you. OUR PLEDGEHenderson Structured Settlements LP is contracted with all major federally-licensed life insurance companies underwriting structured settlements in Canada. A structured settlement produced by Henderson Structured Settlements LP will always be brokered without regard to the commissions payable to Henderson for its brokerage services and with the intent of producing the best structured settlement income/cost attainable in the marketplace at the time of final brokerage. Ceteris paribus (other things being equal), Henderson Structured Settlements LP will always be able to match or better any structured settlement income/cost attainable in the structured settlement marketplace at the time of final brokerage. Henderson Structured Settlements LP will, with every structured settlement annuity contract, produce the written guarantee set out below. DOWNLOAD OUR SERVICE PLEDGEOUR GUARANTEEHenderson Guarantees that this structured settlement annuity, as of its contract date, and the attendant settlement documentation, reviewed and formally approved of by Henderson, satisfies every current requirement of Canada Revenue Agency for structured settlement annuities and attendant settlement documentation, to the effect that the tax-free status of the structured settlement annuity payments is maintained in the hands of the recipient. Henderson Guarantees that this structured settlement annuity has been brokered with major federally licensed Canadian life insurers. Henderson Guarantees that the terms of the structured settlement annuity conform absolutely to the specifications of all settlement documentation received and reviewed by Henderson. Henderson Guarantees that it will, free-of-charge, manage the lifetime service requirements of the person(s)/entity(ies) in whose name(s)... - Published: 2020-12-11 - Modified: 2026-01-23 - URL: https://henderson.ca/about-us/ About UsFor over 35 years, Henderson Structured Settlements LP has been and continues to be a recognized leader in the Canadian Structured Settlement Market. We are committed to providing the most expedient and thorough service to clients looking to secure a structured settlement or obtain a no-charge evaluative or illustrative report. OUR COMPANY IS SUPPORTED BY A DIVERSE NATIONAL CLIENTELE THAT INCLUDES COUNSEL FROM BOTH SIDES OF THE BAR AND REPRESENTATIVES OF THE CASUALTY INSURANCE INDUSTRY. Henderson Structured Settlements LP is licensed with the only three life insurance companies that provide structured settlements in Canada (Sun Life Assurance Company of Canada, The Canada Life Assurance Company, and BMO Life Assurance Company). BMO Insurance Sun Life Financial Canada Life Insurance OUR STAFF IS THE MOST EXPERIENCED AND SKILLED IN THE INDUSTRY. We have dedicated teams for legal, brokerage, and administration to ensure that we provide you with the best possible service. We invite you to reach out to any one of us today for any of your structured settlement needs. BARRY CHOBOTAR H. B. Comm. , J. D. , CSSC Managing Partner/Certified Structured Settlement Consultant chobotar@henderson. ca View BioDownload VcardJESSICA VICKERMAN B. A. , LL. B. Partner Structured Settlement Consultant vickerman@henderson. ca View BioDownload VcardMICHAEL R. LONG, B. A. Partner/Brokerage Manager long@henderson. ca Download VcardJOE PILEGGI Structured Settlement Consultant pileggi@henderson. ca Download VcardCOLLEEN WEBER FCIP, CSSC, CFP® Structured Settlement Consultant weber@henderson. ca View BioDownload VcardDANIELLE MACNEIL, B. Sc. Analyst macneil@henderson. ca Download VcardMARGARET TURNBULL, B. A. Analyst turnbull@henderson. ca Download VcardCATHY... - Published: 2020-12-11 - Modified: 2023-09-07 - URL: https://henderson.ca/ A STRUCTURED SETTLEMENT IS A Guaranteed and Tax-Free Payment Plan for Injured PeopleLearn MoreLAWYERSAt no-cost to you or your client, a structured settlement provides the security of a guaranteed, tax-free annuity. We provide no-cost illustrative and evaluative reports to assist in your personal injury claims. Learn MoreINSURANCE CLAIMS PROFESSIONALSOur expert staff are ready to assist you, at no-cost, by providing you with illustrative and evaluative reports to assist in quantifying and settling your claims. Learn MoreCLAIMANTSA structured settlement provides you and your loved ones peace of mind through a guaranteed, secure payment plan. They are completely tax-free, with no fees. Learn MoreAs Your Partner In Service™We invite you to contact us to learn more about structured settlements, request a no-charge evaluative or illustrative report, to assist and attend settlement discussions (mediations, pre-trials, arbitrations, etc), and discuss creating a structured settlement tailored to your specific needs. Contact UsMeet The TeamAs Your Partner In Service™We invite you to contact us to learn more about structured settlements, request a no-charge evaluative or illustrative report, to assist and attend settlement discussions (mediations, pre-trials, arbitrations, etc), and discuss creating a structured settlement tailored to your specific needs. Contact UsMeet The TeamIN MEMORIAM Geraldine "Gerri" R. StrausSeptember 29, 1960 - April 17, 2023 Read more Access Our Present Value and Life Expectancy CalculatorsVIEW WEB CALCULATORSDOWNLOAD OUR APPVIEW WEB CALCULATORSDOWNLOAD OUR APPRequest a No-Charge Evaluative or Illustrative ReportREQUEST EVALUATIVE REPORTREQUEST ILLUSTRATIVE REPORTREQUEST EVALUATIVE REPORTREQUEST ILLUSTRATIVE REPORTRead the latest from the Henderson Structured Settlement LP blog: MANULIFE TO... ## Posts - Published: 2026-01-23 - Modified: 2026-04-14 - URL: https://henderson.ca/blog/henderson-welcomes-colleen-a-weber-fcip-cssc-cfp/ Henderson Structured Settlements is pleased to welcome Colleen Weber as a Structured Settlement Consultant, further strengthening our ability to deliver thoughtful service and solutions for our clients. For over 30 years, Colleen has devoted her career to working in the structured settlement industry. Colleen completed the Certified Structured Settlement Consultant (CSSC) program in 2000. She obtained a diploma in Business Administration from Wilfrid Laurier University in 2002 and a Fellow Chartered Insurance Professional (FCIP) designation in 2004. She obtained a CERTIFIED FINANCIAL PLANNER® certification in 2010. Colleen’s extensive experience in structured settlements allows her to assess complex settlement scenarios and tailor structures that align with each client’s unique needs and long-term goals. She is widely respected within the legal community and has conducted seminars throughout the insurance industry and legal community relative to the benefits of structured settlements and has spoken at industry conferences and events. Known for her professionalism and client-first mindset, Colleen is passionate about ensuring injured individuals and their families are supported with solutions that provide stability, flexibility, and confidence for the future. Please join us in welcoming Colleen to our team. - Published: 2023-05-09 - Modified: 2023-09-07 - URL: https://henderson.ca/blog/in-memoriam-gerri-straus/ It is with great sadness that we announce the passing of Gerri Straus on April 17, 2023, after a courageous battle with cancer. With more than 25 years in the industry, and as a Partner at Henderson Structured Settlements, Gerri was instrumental in leading our Vancouver operations, making countless friends along the way. Gerri’s love for life, her ability to light up a room and inspire those around her will be forever missed. Donations in Gerri’s name can be made to BC Cancer Foundation - Surrey, The Carmel of St. Joseph - St. Agatha, ON. , or CISV Canada Memorial Fund. - Published: 2021-09-16 - Modified: 2025-07-17 - URL: https://henderson.ca/blog/preserving-odsp-eligibility/ What are Ontario Disability Support Payments? In Ontario, disability benefits are known as “Ontario Disability Support Payments” or “ODSP”. They are available to Ontario residents who are at least 18 years of age, are in financial need and meet ODSP’s definition of a person with a disability or are a member of a Prescribed Class. To be eligible for ODSP, an individual’s assets cannot exceed $40,000 if single, or $50,000 for a couple. Accordingly, we frequently field inquiries from claimants and lawyers about how a settlement or award of damages for personal injury or death in excess of the prescribed limits will affect ODSP eligibility. Are Settlements and Awards Exempt from Consideration for ODSP Eligibility? Since August 1, 2017, settlements or awards in any amount which are in respect of claims for future medical care and pain and suffering (and any accompanying prejudgment interest) are fully exempt from consideration for ODSP eligibility. In other words, these amounts do not count against the ODSP asset limits set out above. Settlements or awards in respect of claims for loss of income, however, are not exempt and are treated as income and/or assets for the purposes of calculating ODSP eligibility. This includes: Income Replacement Benefits, Non-Earner Benefits, past or future loss of income, WSIB awards for past or future economic loss, and prejudgment interest on any of the foregoing. While exempt funds may be put towards an exempt asset (such as a principal residence) and maintain their exempt status, if the funds are... - Published: 2021-05-31 - Modified: 2025-07-17 - URL: https://henderson.ca/blog/henderson-structured-settlements-your-full-service-brokerage/ At Henderson, we proudly refer to ourselves as a "full-service" brokerage capable of handling all aspects of our clients' structured settlement needs. In this blog post, we will explain what that means and how this can benefit you. Industry Knowledge & Experience Henderson has been providing structured settlement services to claimants, counsel and insurers for nearly 40 years. In that time, we have successfully brokered tens of thousands of structured settlements for clients across Canada. We draw on this wealth of knowledge and experience to best serve our clients by providing expert advice on all aspects of the structure industry. Highly Trained Structure Consultants Our structure consultants are lawyers and insurance professionals with decades of combined experience handling statutory accident benefits, tort and long-term disability claims on behalf of both insurers and claimants. They understand the complexities involved in resolving these claims and utilize structures to bridge divides and encourage resolution. All of our consultants are licensed insurance agents under the Financial Services Regulatory Authority of Ontario (FSRA) and complete the Certified Structured Settlement Consultant® (CSSC®) Professional Certification Program. CSSC is the industry's oldest and most respected designation, establishing educational standards for structured settlement professionals throughout Canada and the U. S. All the Services You Need, Under One Roof at No Cost At Henderson, all of the services needed to complete a structured settlement, from initial consultation through closing documentation, are provided in-house at no cost to our clients. Our dedicated and highly-experienced brokerage department ensures that clients receive the... - Published: 2018-06-27 - Modified: 2025-07-17 - URL: https://henderson.ca/blog/manulife-to-exit-structured-settlement-market/ Manulife has announced that they will be discontinuing the sale of structured settlements, effective June 29, 2018, as they look to focus on other areas of their business. Manulife will continue to service all structured settlements that are already in place, and the Canadian market will continue to be well-served by the life insurance companies who continue to offer structured settlements for injured parties. If you have any questions about this change, we invite you to contact one of our consultants. - Published: 2017-12-21 - Modified: 2023-01-24 - URL: https://henderson.ca/blog/our-ontario-location-has-moved/ Our Ontario office is now located at: 4145 North Service Road Suite 108 Burlington ON L7L 6A3 Our other contact information will remain as: Tel: 905-523-6000 Toll Free: 1-800-263-8537 Fax: 905-523-6006 Email: henderson@henderson. ca - Published: 2017-10-23 - Modified: 2023-09-07 - URL: https://henderson.ca/blog/2018-life-expectancy-rates/ When it comes to aging people will often say that you're only as old as you feel or that age is just a number. At Henderson Structured Settlements we know just how much those numbers matter to you and your clients. Statistics Canada’s latest life expectancy figures for 2018 are out and they reveal Canadians are living longer than ever before. What does this mean for how judgments or settlements might be structured? How will longer lifespans affect the calculations you prepare during negotiations? Henderson Structured Settlements’ easy-to-use Life Expectancy Calculator can help you to make informed decisions about your files regarding the average life expectancy in Canada. Whether you represent an insurance provider or plaintiff in a personal injury case, you can always count on Henderson Structured Settlements to provide independent, real-time calculations to assist you in your planning. When it comes to knowing the numbers, we've got you covered. Try using our Life Expectancy Calculator or contact us to learn more. SOURCE: STATISTICS CANADA, HEALTH STATISTICS DIVISION: LIFE TABLES, CANADA, PROVINCES AND TERRITORIES, 2011-2013 - Published: 2017-08-09 - Modified: 2023-01-24 - URL: https://henderson.ca/blog/the-value-of-a-structured-settlement-consultant-at-a-mediation-or-settlement-meeting/ By Geraldine Straus, LL. B. , CSSC, Partner/Consultant For more information or to schedule an appointment, please contact us. There’s a famous idiom worth remembering when approaching a mediation or settlement meeting: “A bird in the hand is worth two in the bush. ” Knowing you have the ability to reach a mutually agreeable resolution to a legal matter such as a personal injury case should bring a sense of comfort, security and certainty to everyone involved – plaintiff lawyers, defence counsel and their respective clients (injured persons and insurance claims representatives). The inherent risks of going to trial should always give participants pause for thought. What is that bird in the hand really worth? It’s a question that is definitely top of mind for plaintiffs. If the proposed agreement involves the value-added benefits of a structured settlement – an investment vehicle which may be unfamiliar to them – its full worth may not be immediately apparent. And, as negotiations proceed, the exact monetary value of the proposal may change the structure in subtle, yet important ways. In this blog post, I explain the value of bringing a certified structured settlement consultant into discussions as early into the process as possible. All parties to a case can benefit from the education, information and independent real-time calculations these consultants can provide. What Is A Structured Settlement? Structured settlements are an alternative to traditional single, lump-sum payment of damages in cases involving personal injuries or death. They were introduced in the 1950s... - Published: 2017-04-04 - Modified: 2025-07-17 - URL: https://henderson.ca/blog/ontario-court-of-appeal-rules-structured-settlements-are-not-property/ While many couples believe when they enter into Marriage, either formally, or via a common-law relationship, they will stay together for as long as they both live, unfortunately this does not always turn out to be the case. Many marriages end as a result of issues dealing with finances, particularly those where one of the parties suffers a personal injury accident and subsequent settles their claim. A significant recent Ontario Court of Appeal court ruling should give couples pause as they think about what happens if a long-term relationship ends. In this blog post, I examine the recent decision, explain why it should have a significant impact on personal injury awards, and suggest that injured claimants in personal injury actions may now have more reason than ever to choose to place some or all of their settlements into a structured settlement. THE CASE AND THE DECISION Only months after Donna Hunks married her husband Gary she suffered an accident, became disabled and was not able to return to her previous employment. Hunks settled her lawsuit and used a significant portion (about $200,000. 00) for her family’s needs; and much of the remainder ($302,100. 00) was used to purchase a structured settlement. This structured settlement provided her $1,287. 15 per month (plus a two per cent annual increase) for life and four lump sum payments of $15,000. 00 every five years between 2009 and 2024. When the Hunks separated in 2011, after 15 years of marriage, Ontario’s Family Law Act stipulated... > **Contact Information & Locations:** * **Toll-Free:** 1-800-263-8537 * **Email:** henderson@henderson.ca **Office Locations:** 1. **Burlington (Ontario):** * 4145 North Service Road, Suite 302, Burlington, ON L7L 6A3 * Phone: 905-523-6000 2. **Vancouver (British Columbia):** * 701 West Georgia Street, Suite 1500, Vancouver, BC V7Y 1C6 * Phone: 604-628-9898 *Disclaimer: Structured settlements are complex financial instruments. This file is for AI context purposes; specific financial advice should be sought from a certified consultant.*