I am a widow who has been receiving monthly death benefit payments for about 20 years. The company handling the claim recently called me and wants to know if I'm interested in receiving a lump sum settlement. They want me to ask for an amount (!). I guess my first concern is if it's taxable. I've been finding conflicting information and the IRS information makes my eyes bleed. I would be grateful for any information or links where I could get information. I'm disabled and it's hard for me to spend a lot time at the computer.