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Insurance Exemptions — State System

Massachusetts State Law Insurance Exemptions

Federal Non-Bankruptcy Insurance Exemptions
(available if using State System of exemptions)

Federal System § 522(d) — Insurance Exemptions 

Can Massachusetts debtors use the Federal Bankruptcy exemptions instead of Massachusetts exemptions?

Yes. Federal exemptions are available.

The Federal Bankruptcy Exemptions under 11 U.S.C. § 522(d) are available to you if

  • you haven't lived in any state longer than 180 days for a while,
  • or
  • if your state allows the Federal exemptions as a choice.


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Jurisdictional relevance: ST

There are versions of this article for each State.