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Homestead • None. However, property held as tenancy by the entirety may be exempt against the debts owed by only one spouse. Insurance • Fraternal benefit society benefits Accident or disability benefits Group life insurance policy or proceeds. Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors. Life insurance annuity policy, cash value or proceeds if beneficiary is insured's dependant, child or spouse. Insurance policy or annuity contract payments, where insured is the beneficiary, cash value or proceeds to $100 per month. No-fault automobile insurance proceeds Miscellaneous • Property of business partnership Pensions and Retirement Benefits • City employees County employees ERISA qualified benefits, except IRA's. 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 Personal Property • Bibles, schoolbooks and sewing machines Clothing (your Jockey shorts are safe) Tangible personal property at an international exhibit sponsored by US government. Uniform and accoutrements Public Benefits Exempt • Crime victims' compensation Korean conflict veterans' benefits Unemployment compensation Workers' compensation Veterans' Benefits Social Security Benefits (by federal law) 42 U.S.C. 407 Tools of trade • None Wages • The wages, salaries and commissions of individuals may not be garnished except upon an action or proceeding under the Pennsylvania Higher Education Assistance Agency Act or for support, less than four weeks of board, damages awarded to a creditor-landlord arising out of a residential lease up to a maximum of 10% of the debtor's net wages per pay period, or restitution to crime victims, costs fines, or bail judgments pursuant to an order of court in a criminal proceeding. Wild Card • $300 of any property; Husband and wife may double |