Insurance Exemptions — State System
South Dakota State Law Insurance Exemptions
Federal Non-Bankruptcy Insurance Exemptions
(available if using State System of exemptions)
Federal System § 522(d) — Insurance Exemptions
Can South Dakota debtors use the Federal Bankruptcy exemptions instead of South Dakota exemptions?
No. S.D. Codified Laws §§ 43-31-30, 43-45-13.
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.