退休账户 Retirement Accounts: Federal law, along with California state law, often protects most qualified retirement accounts (e.g., 401(k), IRA) from liquidation. 社会安全金 Social Security Benefits: Social Security payments are usually protected from creditors. 基本家用开支 Homestead Exemption: California offers significant homestead protection, which means a certain amount of equity in a primary residence is protected. 公共福利 Public Benefits: Unemployment, disability, and other public assistance are usually exempt. 个人生活用品 Personal Property: There are exemptions for personal items like household goods, clothing, and tools necessary for work.
加州法律 California Law: In California, you can choose between two exemption systems (System 1 and System 2), and depending on which system you select, the protection of life insurance and other assets will vary. Generally, life insurance policies and their cash value can be exempted under California Code of Civil Procedure (CCP) §704.100.