RE: wait a while before they can have their agent cash it in.
Agent? do you have to hire one? Or is one provided for you? And how much commission does he get?
A financial adviser who is under contract for a set annual fee that you negotiate. He sets up, with your consent, certain funds managed by the agency under a name(s) you decide on.
The first thing you do is get a Non-Disclosure Agreement NDA with the agency you decide on, after a lot of homework, before you even tell them what it is they are about to consider.
Like I said, it will be a while before you ever get to have the cash available so keep your job and don’t buy anything new or extravagant for yourself or your home. Just keep doing what you are doing now. Sometime before the claiming period ends, something like 6 months, have it all wrapped up by the 5th month. That way the press will move on to something new and by the 5th month, it is still too far away from the final claim date for the press to be snooping. By then all of the fictitious filings will be done and complete and as long as the agent is getting his annual stipend, he will keep it as secret as the law allows, unless Lois Lerner leaks it.