Bankruptcy Chapter 7 & 13

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Federal Non-Bankruptcy Exemptions

These exemptions are available in addition to state exemptions.

Type of Property & Description Amount Exempt Statute Creating Exemption
Social Security Benefits. 100% 42 USC � 407
Earned but unpaid wages. 75% 15 USC � 1673
Veterans & Military Benefits.
    Military honor roll pensions
    Military service employees
    Military group life insurance
    Military deposits in savings accounts while on permanent duty outside U.S.
    Veterans' benefits
    Veterans' medal of honor benefits
100%
38 USC � 562 
10 USC � 1440 
38 USC � 770(g) 
10 USC � 1035 
 

38 USC � 3101 
38 USC � 562 
Retirement Benefits.
    CIA employees
    Civil Service Employees
    Foreign service employees
    Railroad employees
100%  
50 USC � 403 
5 USC � 8346 
22 USC � 4060 
45 USC � 231m 
Survivor's benefits.
    Military service
    Lighthouse workers
    Judges, U.S. court directors, judicial center directors, supreme court chief justice administrators
100%
10 USC � 1450 
33 USC � 775 
28 USC � 376 
Death & disability benefits.
    Government employees
    Longshoremen & harbor workers
    War risk hazard death or injury compensation
100%
5 USC � 8130 
33 USC � 916 
42 USC � 1717 
Miscellaneous.
    Klamath Indian tribe benefits for Indians residing in Oregon
    Railroad workers' unemployment insurance
    Seamen's clothing
    Seamen's wages (while on a voyage) pursuant to a written contract
100%
25 USC � 543, 25 & 545 
 

45 USC � 352(e) 
46 USC � 11110 
46 USC � 11111 

Text current through end of 1998.

This page was last revised: 07/28/03