mom/4
I suggest a hybrid type of settlement, i.e. you get some cash up front, then buy an annuity from a GOOD insurance company like Northwestern Mutual, or Pacific life.
I got one that was called 20 plus life, and it pays around 7.7% interest. So, it's guaranteed to pay for 20 years, then, as long as I live. A very sweet deal.
The money that I got as cash, is All gone, due to two wives that had it counted before I did. (First wife actually knew I settled before I did).

I stunned the ins. industry into realizing that RSD was REAL.
I fired 5 attorneys, got the best in the city (who had lost an rsd case) and had a score to settle, and I had Dr S. At the time circa 1990, nobody had really gotten any more than around 50 thousand.
I got well over a mil. I later ran into the insurance adjuster who had to write my check (imagine that) in of all places a tiki bar in the FLA keys. I told him a bit of my story, and he told me about some guy with a 'weird disease' that you can't even SEE! Got this ridiculous amount, that's sending ripples through the industry!
I bought him a cocktail.
I wish you the very best!

Pete