Inflation Protection

Structures can provide guaranteed payment increases to help protect against rising costs. This is called "indexation". Indexation protects your spending power for as long as your structured settlement provides payments.

The cost of goods and services (such as rent, groceries, medical equipment, rehabilitation and care services)increases over time. The structured settlement can be set up so that the payments increase as well. Payments can be set to grow by a specific amount (such as 2% or 3% per year, compounded), or they can grow in accordance with the Canadian Consumer Price Index (CPI). The CPI is a measure of inflation that is calculated by Statistics Canada. It tracks the change in price each year of various services and products that form an average Canadian "basket of goods".

With a CPI-indexed structure, your payments would increase each year by the September to September CPI, as calculated by Statistics Canada. For example, if the CPI is 0.7% in one year, your payments will increase by 0.7%. If the CPI is 12%, your payments will grow by 12%. Structure payments set to grow with the CPI will not be capped during periods of high inflation, and they will not decrease if Canada experiences deflation.

• History of Structured Settlements in Canada
• Why Should I Choose a Structure?
  • Unlimited Flexibility in Design
  • No Fees, No Income Tax – Ever!
  • Capital Protection
  • Inflation Protection
  • Estate Protection
  • More Income with Impairment Ratings on Lifetime Structures
  • Structures Offer Unparalleled Security
• Learn More About The McKellar Structured Settlement™
• The McKellar Guide