Choosing to take cash for structured settlement payment might be the best option for you if you happen to have been in a lot of debt, and have various expenses to cover. Many plaintiffs who have won their personal injury cases choose to sell out their rights to future payments because they would want to spend the money now, when they are in need of it the most. In retrospect, there have been a lot of structured settlements that were sold off to financial companies by those who do not want to wait for monthly payments that will be very minimal as they are spread out for a period that spans several years to a few decades. Having a settlement will open up options for you as well as your family so you will do well to choose the best deal you can find.