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Pennsylvania Exemptions

   

Federal supplemental exemptions can be used in conjunction with your Pennsylvania exemptions and can be viewed here.

In Pennsylvania, you may choose to use the federal exemption set instead of your state exemptions.

Also see Pennsylvania bankruptcy forms.

ASSET

EXEMPTION DESCRIPTION

LAW SECTION

Homestead

None, however, property held as tenancy by the entirety may be exempt against debts owed by only one spouse

Keystone Saving Ass’n v.

Kitsock, 633 A. 2d 165 (Pa. Super. Ct. 1993)

Insurance

Accident or disability benefits

Fraternal benefit society benefits

 

Group life policy or proceeds

Insurance policy or annuity contract payments, where insured is the beneficiary, cash value or proceeds to $100 per month

Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary’s creditors

No-fault automobile insurance proceeds

42-8124( c) (7)

Annotated Statute 40-1141-403;

42-8124( c) (1), (8)

42-8124( c) (5)

42-8124( c) (3)

42-8124( c) (6)

42-8214( c) (4)

42-8124( c) (9)

Miscellaneous

Property of business partnership

15-8341

Pensions

City employees

County employees

Municipal employees

Police officers

Private retirement benefits if clause prohibits proceeds from being used to pay beneficiary’s creditors, to extent tax-deferred; exemption limited to $15,000 per year deposited; no exemption for amount deposited within 1 year of filing

Public school employees

State employees

53-13445, 53-23572,

53-39383

16-4716

53-881.115

53-764, 53-776, 53-23666

42-8124(b)

 

 

24-8533

71-5953

Personal Property

Bibles, schoolbooks & sewing machines

Clothing

Tangible personal property at an international exhibit sponsored by U.S. government

Uniform & accoutrements

42-8124(a) (2), (3)

42-8124(a) (1)

42-8125

42-8124(a) (4)

Public Benefits

Crime victims’ compensation

Korean conflict veterans’ benefits

Unemployment compensation

Veterans’ benefits

Workers’ compensation

71-180-7.10

51-20098

42-8124(a) (10), 43-863

51-20012

42-8124( c) (2)

Tools of Trade

None

 

Wages

Earned but unpaid wages

42-8127

Wild Card

$300 of any property

42-8123

 

     
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