Connecticut Bankruptcy Exemptions

This is a list of some of the available exemptions in the State of Connecticut. You can obtain a more detailed list of exemptions by contacting a qualified Connecticut bankruptcy attorney in your area. They will be able to list and explain all of the federal and state exemptions. There is certain property, which is excluded or exempt that the debtor can keep based on their specific situation and personal income. An attorney can perform a detailed analysis of your personal situation and advise you of your options. Contact an attorney today.


Homestead: Real property, including mobile homes and manufactured homes up to $75,000: applies only to claims arising after 1993, but to $125,000 in the case of a money judgment arising out of services provided at a hospital.

Insurance: Fraternal benefit society benefits, Health or disability benefits, Life Insurance proceeds if clause prohibits proceeds from being used to pay beneficiary’s creditors, Life insurance dividends, proceeds, interest, cash or surrender value, Un-matured life insurance policy avails to $4,000 if beneficiary is dependent, Disability benefits paid by association for its members.

Personal Property: Burial plot, Health aids as needed, Appliances, food, clothing, furniture and bedding as needed, Motor vehicle to $1,500, Wedding and engagement rings, Spendthrift trust funds needed for support, Proceeds for damaged exempt property, Residential utility and security deposits for one residence, Transfers made to a nonprofit debt adjuster, $1,000 of any property.

Pensions: Tax-exempt retirement accounts, including 401(k)s, 403(b)s, SEP and SIMPLE IRAs, defined benefit plans and profit sharing and money purchase plans. ERISA qualified benefits, including IRAs, ROTH IRAs, Keoghs and other qualified benefits, but only to the extent wages are exempt. Municipal and state employees, Teachers, Medical savings accounts.

Miscellaneous: Alimony, to extent wages are exempt, Child support, farm partnership animals and livestock feed required to run farm where at least 50% of partners are members of same family.

Public Benefits: Crime victim’s compensation, Social security, Aid to blind, deaf, disabled or aged, Public assistance, Unemployment compensation, Veterans’ benefits, Workers’ compensation

Tools of Trade: Tools, books, instruments and farm animals needed for employment, Arms, military equipment, uniforms and musical instruments of military personnel

Wages: Minimum 75% of earned but unpaid weekly disposable earnings, or 40 times the state or federal hourly minimum wage; whichever is greater

Wildcard: $1,000 of any property

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