This list of exemptions updated January 2009. All law references are to New Jersey Statutes Annotated unless otherwise noted. Federal Bankruptcy Exemptions are allowed in New Jersey.

Personal Property

2A:17-19 - Clothing; goods, personal property, and stock or interest in corporations up to $1,000 total.

2A:26-4 - Household good and furniture up to $1,000.

45:27-21 - Burial plots.

Wages

2A:17-56 - 90% of earned but unpaid wages if your annual income is less than 250 percent of the federal poverty level. If income is higher, 75%.

38A:4-8 Military personnel wages and allowances.

Pensions

11 U.S.C. § 522 - Tax exempt retirement accounts; Traditional and Roth IRAs up to $1,095,000 per person.

A:9-57.6 - Civil defense workers.

18A:66-51 - Teachers.

18A:66-116 - School district employees.

25:2-1 - Trust containing personal property if it was created pursuant to federal tax law.

43:6A-41 - Judges.

43:7-13 - Prison employees.

43:8A-20 - Alcohol beverage control officers.

43:10-57 & 43:10-105 - County employees.

43:13-9 - City workers' ERISA-qualified benefits.

43:13-44 - Municipal employees.

43:15A-53 - Public employees.

43:16-7 & 43:16A-17 - Police officers, firefighters, and traffic officers.

43:18-12 - City boards of health employees.

43:19-17 - Street and water department employees.

53:5A-45 - State police.

Public Benefits

34:15-29 - Workers' compensation.

43:21-53 - Unemployment compensation.

44:7-35 - Old-age, permanent disability assistance.

Insurance

A:9-57.6 - Civil defense workers' disability, death, medical or hospital benefits.

17:18-12 & 17B:24-8 - Health and disability benefits.

17B:24-6b - Life insurance proceeds, dividends, interest, loan, cash, or surrender value, if not the insured.

17B:24-7 - Annuity contract proceeds up to $500 per month.

17B:24-9 - Group life or health policy or proceeds.

17B:24-10 - Life insurance proceeds if policy prohibits use to pay creditors.

38A:4-8 - Military member disability or death benefits.

Other - Add any applicable Federal Nonbankruptcy Exemptions