Structured settlements are a common way to distribute large settlement amounts from worker's compensation cases, personal injury lawsuits and other similar cases. Those structured payments can give you a sense of financial security over time, because they provide you with consistent payments every month. Although most people like the security of these regular payments, sometimes financial difficulties can leave you wishing you had more of that cash up front. Here's a look at what you need to know about selling your structured settlement for a lump sum payment.