Use Cases
3M Combat Arms Earplug Lawsuit Funding
• 2 min read
Veterans with hearing loss or tinnitus from defective 3M Combat Arms earplugs use pre-settlement funding to bridge the wait for settlement distribution.
The 3M Combat Arms earplug MDL produced one of the largest settlements in mass tort history — over $6 billion, covering approximately 240,000 claimants. Distribution is happening in waves over multiple years.
Even with a settlement in place, individual payments often take months to reach claimants. Post-settlement funding can bridge that gap when bills can't wait.
AARC funds 3M earplug claims throughout the distribution process. Approval depends on settlement allocation and timing of distribution.
Pre-settlement funding (before the MDL settlement) is generally no longer available since the settlement is in place. Post-settlement funding bridges the gap between the qualifying determination and the check arriving in your account.
Underwriting focuses on documented military service during the relevant period, hearing loss or tinnitus diagnosis, and the status of your settlement allocation.
Call (800) 297-3834 to see what funding is available on your 3M earplug claim.
Frequently asked questions
- What can I spend the advance on?
- There are no restrictions. Claimants commonly use funds for rent, groceries, utilities, transportation, childcare, and medical co-pays while their case is pending.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
