Often, probate courts favor structured settlements for incompetent adults just as they do for minors due to their strong guarantees and simplicity.
As with minors, many default to incompetent adults as they think of structured settlement suitability. When an adult is found to be incompetent, some combination of a trust and/or structured settlement is utilized. Probate courts favor structures in these cases as they do for minors. Having a predetermined, guaranteed, tax-free income is often what is needed for the incompetent adult or their trustee.