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Florida Statute 222.21 - Full Text and Legal Analysis
Florida Statute 222.21 | Lawyer Caselaw & Research
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The 2025 Florida Statutes

Title XV
HOMESTEAD AND EXEMPTIONS
Chapter 222
METHOD OF SETTING APART HOMESTEAD AND EXEMPTIONS
View Entire Chapter
F.S. 222.21
222.21 Exemption of pension money and certain tax-exempt funds or accounts from legal processes.—
(1) Money received by any debtor as pensioner of the United States within 3 months next preceding the issuing of an execution, attachment, or garnishment process may not be applied to the payment of the debts of the pensioner when it is made to appear by the affidavit of the debtor or otherwise that the pension money is necessary for the maintenance of the debtor’s support or a family supported wholly or in part by the pension money. The filing of the affidavit by the debtor, or the making of such proof by the debtor, is prima facie evidence; and it is the duty of the court in which the proceeding is pending to release all pension moneys held by such attachment or garnishment process, immediately, upon the filing of such affidavit or the making of such proof.
(2)(a) Except as provided in paragraph (d), any money or other assets payable to an owner, a participant, or a beneficiary from, or any interest of any owner, participant, or beneficiary in, a fund or account is exempt from all claims of creditors of the owner, beneficiary, or participant if the fund or account is:
1. Maintained in accordance with a master plan, volume submitter plan, prototype plan, or any other plan or governing instrument that has been preapproved by the Internal Revenue Service as exempt from taxation under s. 401(a), s. 403(a), s. 403(b), s. 408, s. 408A, s. 409, s. 414, s. 457(b), or s. 501(a) of the Internal Revenue Code of 1986, as amended, unless it has been subsequently determined that the plan or governing instrument is not exempt from taxation in a proceeding that has become final and nonappealable;
2. Maintained in accordance with a plan or governing instrument that has been determined by the Internal Revenue Service to be exempt from taxation under s. 401(a), s. 403(a), s. 403(b), s. 408, s. 408A, s. 409, s. 414, s. 457(b), or s. 501(a) of the Internal Revenue Code of 1986, as amended, unless it has been subsequently determined that the plan or governing instrument is not exempt from taxation in a proceeding that has become final and nonappealable; or
3. Not maintained in accordance with a plan or governing instrument described in subparagraph 1. or subparagraph 2. if the person claiming exemption under this paragraph proves by a preponderance of the evidence that the fund or account is maintained in accordance with a plan or governing instrument that:
a. Is in substantial compliance with the applicable requirements for tax exemption under s. 401(a), s. 403(a), s. 403(b), s. 408, s. 408A, s. 409, s. 414, s. 457(b), or s. 501(a) of the Internal Revenue Code of 1986, as amended; or
b. Would have been in substantial compliance with the applicable requirements for tax exemption under s. 401(a), s. 403(a), s. 403(b), s. 408, s. 408A, s. 409, s. 414, s. 457(b), or s. 501(a) of the Internal Revenue Code of 1986, as amended, but for the negligent or wrongful conduct of a person or persons other than the person who is claiming the exemption under this section.
(b) It is not necessary that a fund or account that is described in paragraph (a) be maintained in accordance with a plan or governing instrument that is covered by any part of the Employee Retirement Income Security Act for money or assets payable from or any interest in that fund or account to be exempt from claims of creditors under that paragraph.
(c) Any money or other assets or any interest in any fund or account that is exempt from claims of creditors of the owner, beneficiary, or participant under paragraph (a) does not cease to be exempt after the owner’s death by reason of a direct transfer or eligible rollover that is excluded from gross income under the Internal Revenue Code of 1986, including, but not limited to, a direct transfer or eligible rollover to an inherited individual retirement account as defined in s. 408(d)(3) of the Internal Revenue Code of 1986, as amended. An interest in any fund or account awarded or received in a transfer incident to divorce described in s. 408(d)(6) of the Internal Revenue Code of 1986, as amended, is exempt upon the interest being awarded or received and continues to be exempt thereafter. This paragraph is intended to clarify existing law, is remedial in nature, and shall have retroactive application to all inherited individual retirement accounts and to each transfer incident to divorce without regard to the date an account was created or the transfer was made.
(d) Any fund or account described in paragraph (a) is not exempt from the claims of an alternate payee under a qualified domestic relations order or from the claims of a surviving spouse pursuant to an order determining the amount of elective share and contribution as provided in part II of chapter 732. However, the interest of any alternate payee under a qualified domestic relations order is exempt from all claims of any creditor, other than the Department of Revenue, of the alternate payee. As used in this paragraph, the terms “alternate payee” and “qualified domestic relations order” have the meanings ascribed to them in s. 414(p) of the Internal Revenue Code of 1986.
(e) This subsection applies to any proceeding that is filed on or after the effective date of this act.
History.—s. 1, ch. 87-375; s. 1, ch. 98-159; s. 25, ch. 99-8; s. 5, ch. 2005-82; s. 1, ch. 2005-101; s. 1, ch. 2007-74; s. 1, ch. 2011-84; s. 1, ch. 2022-167.

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Amendments to 222.21


Annotations, Discussions, Cases:

Cases Citing Statute 222.21

Total Results: 102

In Re Edward Schlein and Kay Schlein, Debtors. Edward Schlein and Kay Schlein v. George E. Mills, Jr., Trustee, Florida National Bank

8 F.3d 745, 17 Employee Benefits Cas. (BNA) 2020, 1993 U.S. App. LEXIS 31333, 1993 WL 468513

Court of Appeals for the Eleventh Circuit | Filed: Dec 2, 1993 | Docket: 544153

Cited 47 times | Published

Debtors claim an exemption pursuant to Fla.Stat. § 222.21(2)(a) in all monies on deposit in their respective

In Re Sheppard

106 B.R. 724, 1989 Bankr. LEXIS 1855, 1989 WL 126946

United States Bankruptcy Court, M.D. Florida | Filed: Oct 10, 1989 | Docket: 1755508

Cited 24 times | Published

administration of the bankruptcy estate pursuant to Fla.Stat. 222.21. The following undisputed facts which are

In Re Martinez

107 B.R. 378, 1989 Bankr. LEXIS 1692

United States Bankruptcy Court, S.D. Florida. | Filed: Oct 6, 1989 | Docket: 1666725

Cited 23 times | Published

maintained by his employer as exempt under Fla.Stat. § 222.21(2)(a) in the amount of $4,000.00. The trustee

In Re Smith

123 B.R. 423, 1990 Bankr. LEXIS 2752, 1990 WL 256462

United States Bankruptcy Court, M.D. Florida | Filed: Dec 14, 1990 | Docket: 148823

Cited 21 times | Published

First Florida's claim, and because of Fla.Stat. § 222.21(2)(a), it would not be able to reach the Debtor's

In Re Bryant

106 B.R. 727, 1989 Bankr. LEXIS 1846, 1989 WL 126949

United States Bankruptcy Court, M.D. Florida | Filed: Oct 10, 1989 | Docket: 1632532

Cited 21 times | Published

administration of the bankruptcy estate pursuant to Fla.Stat. 222.21. The following undisputed facts which are

In Re Bryan

106 B.R. 749, 1989 Bankr. LEXIS 1856

United States Bankruptcy Court, S.D. Florida. | Filed: Oct 10, 1989 | Docket: 1633046

Cited 21 times | Published

claimed under an unconstitutional statute. Fla.Stat. § 222.21 and § 222.201. I disagree. The objection is overruled

Marie v. Green (In Re Green)

268 B.R. 628, 2001 Bankr. LEXIS 1362, 2001 WL 1231709

United States Bankruptcy Court, M.D. Florida | Filed: Jul 10, 2001 | Docket: 1487899

Cited 20 times | Published

$ 91.64 FSA § 222.21(2) $ 91.64 Account No. XXXXXXXXX-X Scotia

Keith A. Yerian v. Richard B. Webber II

927 F.3d 1223

Court of Appeals for the Eleventh Circuit | Filed: Jun 26, 2019 | Docket: 15840425

Cited 17 times | Published

certain statutory requirements. Fla. Stat. § 222.21 . It is this exemption that we consider here

In Re Allen

203 B.R. 786, 10 Fla. L. Weekly Fed. B 141, 1996 Bankr. LEXIS 1630, 1996 WL 736939

United States Bankruptcy Court, M.D. Florida | Filed: Dec 18, 1996 | Docket: 1611034

Cited 17 times | Published

Debtor can claim the IRAs as exempt pursuant to section 222.21 of the Florida Statutes. This issue was not

In Re: Stuart J. Atlas, Vicki K. Atlas, Debtors. James O. Guy v. Patricia Dzikowski, Trustee

210 F.3d 1305, 24 Employee Benefits Cas. (BNA) 1815, 46 Fed. R. Serv. 3d 713, 2000 U.S. App. LEXIS 7611, 36 Bankr. Ct. Dec. (CRR) 9, 2000 WL 485076

Court of Appeals for the Eleventh Circuit | Filed: Apr 24, 2000 | Docket: 1071986

Cited 16 times | Published

bankruptcy petition, claiming that Florida Statute § 222.21 exempted their interests in certain pension and

In Re Wilbur

206 B.R. 1002, 10 Fla. L. Weekly Fed. B 281, 1997 Bankr. LEXIS 358, 1997 WL 155154

United States Bankruptcy Court, M.D. Florida | Filed: Mar 17, 1997 | Docket: 1444938

Cited 15 times | Published

IRAs $68,996 Fla.Stat. § 222.21 Principal Mutual Annuity Not Stated

In Re Seilkop

107 B.R. 776, 1989 Bankr. LEXIS 1969

United States Bankruptcy Court, S.D. Florida. | Filed: Nov 14, 1989 | Docket: 1756106

Cited 15 times | Published

Fla.Stat. § 222.21(2)(a). The trustee argues that both Florida Statute § 222.14 and § 222.21(2)(a) are

First Florida National Bank, N.A. v. Smith (In Re Smith)

129 B.R. 262, 1991 U.S. Dist. LEXIS 9848, 1991 WL 133114

District Court, M.D. Florida | Filed: Jul 1, 1991 | Docket: 1484348

Cited 14 times | Published

reasoning, appellant notes that Florida Statutes § 222.21(2)(a)[2] exempts ERISA qualified pension plans

In Re Coplan

156 B.R. 88, 7 Fla. L. Weekly Fed. B 160, 17 Employee Benefits Cas. (BNA) 1125, 1993 Bankr. LEXIS 957, 1993 WL 241139

United States Bankruptcy Court, M.D. Florida | Filed: Jun 30, 1993 | Docket: 1063982

Cited 13 times | Published

such under the Internal Revenue Code. Fla.Stat. § 222.21(2)(a); see, In re Horath, 116 B.R. 835 (Bankr

In Re Schlein

114 B.R. 780, 12 Employee Benefits Cas. (BNA) 1689, 12 ERC (BNA) 1689, 1990 Bankr. LEXIS 1138, 1990 WL 71749

United States Bankruptcy Court, M.D. Florida | Filed: May 21, 1990 | Docket: 1086927

Cited 13 times | Published

for Exemption of SEP/IRA Under Florida Statute § 222.21 A. An SEP/IRA is an employee benefit plan under

DeSantis v. DeSantis

714 So. 2d 637, 1998 WL 422276

District Court of Appeal of Florida | Filed: Jul 29, 1998 | Docket: 461671

Cited 12 times | Published

The trial court entered the QDRO pursuant to section 222.21(2)(b), Florida Statutes (1997), which excepts

Bakst v. Marks (In Re Marks)

131 B.R. 220, 1991 U.S. Dist. LEXIS 12361, 1991 WL 171163

District Court, S.D. Florida | Filed: Aug 29, 1991 | Docket: 1829657

Cited 12 times | Published

effect to the applicable exemption law, Fla.Stat. § 222.21(2)(a), which he claims was in effect on the petition

In Re Harris

188 B.R. 444, 9 Fla. L. Weekly Fed. B 176, 1995 Bankr. LEXIS 1534, 1995 WL 628055

United States Bankruptcy Court, M.D. Florida | Filed: Sep 27, 1995 | Docket: 1807053

Cited 11 times | Published

did not comply with requirements of Fla.Stat. § 222.21. In addition, Bankers Trust contended that the

Bd. of Pension Trustees v. Vizcaino

635 So. 2d 1012, 1994 WL 141209

District Court of Appeal of Florida | Filed: Apr 22, 1994 | Docket: 1705692

Cited 11 times | Published

unable to agree. We fail to see the relevance of section 222.21, Florida Statutes (1991), to the issue involved

In Re Gherman

101 B.R. 369, 1989 Bankr. LEXIS 901

United States Bankruptcy Court, S.D. Florida. | Filed: May 23, 1989 | Docket: 1645892

Cited 11 times | Published

that he is entitled to the effect of Fla.Stat. § 222.21(2)(a) (which became effective October 1, 1987)

In Re Kossow

325 B.R. 478, 18 Fla. L. Weekly Fed. B 229, 2005 Bankr. LEXIS 944

United States Bankruptcy Court, S.D. Florida. | Filed: Apr 28, 2005 | Docket: 1377695

Cited 10 times | Published

and his 401(k) Plan exempt under Florida Statute § 222.21. On September 8, 2004, the Trustee filed an Objection

In Re Graham

258 B.R. 286, 45 Collier Bankr. Cas. 2d 905, 14 Fla. L. Weekly Fed. B 165, 2001 Bankr. LEXIS 59, 2001 WL 95166

United States Bankruptcy Court, M.D. Florida | Filed: Jan 26, 2001 | Docket: 1497183

Cited 10 times | Published

wages are essentially exempt. See FLA. STAT. § 222.21. [3] The Court notes that very little evidence

Furr v. Lordy (In Re Lordy)

214 B.R. 650, 11 Fla. L. Weekly Fed. B 75, 1997 Bankr. LEXIS 1740

United States Bankruptcy Court, S.D. Florida. | Filed: Jul 28, 1997 | Docket: 1450404

Cited 10 times | Published

XXXXXXXXXXXXX Prudential FSA § 222.21 $ 33,103.49 Securities Account

In Re Martin

119 B.R. 297, 12 Employee Benefits Cas. (BNA) 2531, 1990 Bankr. LEXIS 2054, 1990 WL 140292

United States Bankruptcy Court, M.D. Florida | Filed: Sep 7, 1990 | Docket: 1633186

Cited 10 times | Published

of the bankruptcy estate pursuant to Fla. Stat. § 222.21(2)(a) and 11 U.S.C. § 522(b)(2)(A). The Court

In Re Pruner

140 B.R. 1, 1992 U.S. Dist. LEXIS 6345, 1992 WL 96706

District Court, M.D. Florida | Filed: Mar 18, 1992 | Docket: 1637841

Cited 9 times | Published

that his Plan was exempt under Florida Statute Section 222.21 or as a spendthrift trust were without merit

In Re Gardner

118 B.R. 860, 1990 Bankr. LEXIS 1887, 1990 WL 126068

United States Bankruptcy Court, M.D. Florida | Filed: Aug 3, 1990 | Docket: 1093363

Cited 9 times | Published

of the bankruptcy estate pursuant to Fla.Stat. § 222.21(2)(a), 11 U.S.C. § 522(b)(2)(A), and 11 U.S.C

In Re Kimmel

131 B.R. 223, 1991 Bankr. LEXIS 1097

United States Bankruptcy Court, S.D. Florida. | Filed: May 13, 1991 | Docket: 1829536

Cited 8 times | Published

retirement or pension plan benefits, Florida Statute § 222.21(2)(a) provides as follows: Except as provided

In Re Ewell

104 B.R. 458, 1989 Bankr. LEXIS 1391, 1989 WL 98285

United States Bankruptcy Court, M.D. Florida | Filed: Aug 23, 1989 | Docket: 1542570

Cited 8 times | Published

of $15,127.76 as exempt pursuant to Fla.Stat. § 222.21 (1987). The Trustee filed a timely Objection to

In Re Wheat

149 B.R. 1003, 6 Fla. L. Weekly Fed. B 345, 1992 Bankr. LEXIS 2104

United States Bankruptcy Court, S.D. Florida. | Filed: Dec 3, 1992 | Docket: 1810520

Cited 7 times | Published

that the Plan was also exempt under Fla.Stat. § 222.21 ("Exemption of pension money and retirement or

Edelsberg v. Thompson McKinnon Securities Inc. (In Re Edelsberg)

101 B.R. 386, 1989 Bankr. LEXIS 909

United States Bankruptcy Court, S.D. Florida. | Filed: Jun 7, 1989 | Docket: 1646313

Cited 7 times | Published

court takes judicial notice of Florida Statutes § 222.21 (1987), and Florida Statutes Ch. 678. Florida's

Robertson v. Deeb

16 So. 3d 936, 2009 Fla. App. LEXIS 11322, 2009 WL 2476529

District Court of Appeal of Florida | Filed: Aug 14, 2009 | Docket: 1657820

Cited 6 times | Published

not entitled to the exemption set forth in section 222.21(2)(a), Florida Statutes (2008), because that

In Re Banderas

236 B.R. 837, 12 Fla. L. Weekly Fed. B 259, 1998 Bankr. LEXIS 1863, 1998 WL 1093568

United States Bankruptcy Court, M.D. Florida | Filed: Sep 23, 1998 | Docket: 1080192

Cited 6 times | Published

are exempt property pursuant to Florida Statute § 222.21. Dr. Julio C. Banderas (Debtor), an orthopedic

In Re Luttge

204 B.R. 259, 37 Collier Bankr. Cas. 2d 583, 10 Fla. L. Weekly Fed. B 175, 1997 Bankr. LEXIS 33

United States Bankruptcy Court, S.D. Florida. | Filed: Jan 6, 1997 | Docket: 1439702

Cited 6 times | Published

SEP/IRA is exempt pursuant to Florida Statute § 222.21 which provides in relevant part: . . . any money

In Re McDonald

100 B.R. 598, 1989 Bankr. LEXIS 895

United States Bankruptcy Court, S.D. Florida. | Filed: May 1, 1989 | Docket: 1494403

Cited 6 times | Published

debtor include the recently enacted Fla. Stat. § 222.21(2)(a) (1987) exemption for retirement or profit-sharing

Neilson v. Laing (In Re Laing)

329 B.R. 761, 18 Fla. L. Weekly Fed. B 352, 54 Collier Bankr. Cas. 2d 1155, 2005 Bankr. LEXIS 1514, 2005 WL 1925775

United States Bankruptcy Court, M.D. Florida | Filed: Aug 1, 2005 | Docket: 1382060

Cited 5 times | Published

retirement accounts as required by Florida Statutes § 222.21(2)(a)." Clearly, that was legally insufficient

In Re Pettit

224 B.R. 834, 12 Fla. L. Weekly Fed. B 19, 1998 Bankr. LEXIS 1166, 1998 WL 605888

United States Bankruptcy Court, M.D. Florida | Filed: Aug 14, 1998 | Docket: 1461479

Cited 5 times | Published

Prudential Securities Account as exempt pursuant to § 222.21(a) Florida Statutes which provides that any interest

In Re Allen

217 B.R. 945, 11 Fla. L. Weekly Fed. B 151, 39 Collier Bankr. Cas. 2d 419, 1998 Bankr. LEXIS 67, 1998 WL 34669

United States Bankruptcy Court, M.D. Florida | Filed: Jan 20, 1998 | Docket: 1745576

Cited 5 times | Published

Merrill Lynch IRA $ 2,778.87 § 222.21 Fla. Statutes Executive Life Ins. Co. Annuity

Dzikowski v. Blais (In Re Blais)

220 B.R. 485, 1997 U.S. Dist. LEXIS 22392, 1997 WL 878306

District Court, S.D. Florida | Filed: Nov 21, 1997 | Docket: 1783441

Cited 5 times | Published

"qualified" plan pursuant to Florida Statutes § 222.21 and Internal Revenue Code § 401, without inquiring

In Re Francisco

204 B.R. 799, 10 Fla. L. Weekly Fed. B 187, 1996 Bankr. LEXIS 1717, 1996 WL 757295

United States Bankruptcy Court, M.D. Florida | Filed: Dec 6, 1996 | Docket: 1440451

Cited 5 times | Published

Statute § 222.21(2)(a) is preempted by ERISA; (2) an IRA is not a "plan" subject to § 222.21(2)(a); (3)

In Re Suarez

127 B.R. 73

United States Bankruptcy Court, S.D. Florida. | Filed: May 1, 1991 | Docket: 1688186

Cited 5 times | Published

Inc. — Miami, C. Prior to October 1, 1987, F.S. § 222.21 was not effective to exempt qualified ERISA plans

Matter of Lee

119 B.R. 833, 1990 Bankr. LEXIS 2072, 1990 WL 143626

United States Bankruptcy Court, M.D. Florida | Filed: Sep 18, 1990 | Docket: 1070938

Cited 5 times | Published

of $44,000.00 as exempt pursuant to Fla.Stat. § 222.21(a). Debtor also alleges the funds are exempt under

In Re Wines

113 B.R. 787, 1990 Bankr. LEXIS 744

United States Bankruptcy Court, S.D. Florida. | Filed: Apr 16, 1990 | Docket: 1837021

Cited 5 times | Published

exempt as "pension disability payments" pursuant to § 222.21, Florida Statutes but, by amendments, has claimed

In Re Jennings

332 B.R. 465, 19 Fla. L. Weekly Fed. B 43, 2005 Bankr. LEXIS 2024, 2005 WL 2837520

United States Bankruptcy Court, M.D. Florida | Filed: Sep 22, 2005 | Docket: 1577118

Cited 4 times | Published

Allianz Annuity as exempt pursuant to Fla. Stat. § 222.21(2). Maxfield objected to Jennings' claim of exemption

In Re Hughes

293 B.R. 528, 16 Fla. L. Weekly Fed. B 123, 2003 Bankr. LEXIS 529, 2003 WL 21287384

United States Bankruptcy Court, M.D. Florida | Filed: Feb 12, 2003 | Docket: 1860289

Cited 4 times | Published

the IRA account as exempt pursuant to Fla. Stat. § 222.21. The Trustee timely filed an Objection to the

In Re Sutton

272 B.R. 802, 27 Employee Benefits Cas. (BNA) 1925, 15 Fla. L. Weekly Fed. B 84, 2002 Bankr. LEXIS 90, 2002 WL 180979

United States Bankruptcy Court, M.D. Florida | Filed: Jan 23, 2002 | Docket: 1861425

Cited 4 times | Published

Chapter 222 of the Florida Statutes. *806 Fla. Stat. § 222.21 provides as follows: (2)(a) Except as provided

In Re Campbell

242 B.R. 740, 13 Fla. L. Weekly Fed. B 53, 1999 Bankr. LEXIS 1581, 1999 WL 1215724

United States Bankruptcy Court, M.D. Florida | Filed: Oct 1, 1999 | Docket: 1451209

Cited 4 times | Published

as being fully exempt under Florida Statutes Section 222.21[1], one IRA with Commerce Bank in the amount

In Re Brink

162 B.R. 355, 7 Fla. L. Weekly Fed. B 340, 1993 Bankr. LEXIS 2013, 1993 WL 553972

United States Bankruptcy Court, M.D. Florida | Filed: Dec 22, 1993 | Docket: 1632549

Cited 4 times | Published

form of an annuity, based on Florida Statutes § 222.21. The relevant facts, as developed at the final

In Re Ard

435 B.R. 719, 22 Fla. L. Weekly Fed. B 534, 2010 Bankr. LEXIS 2659, 2010 WL 3400368

United States Bankruptcy Court, M.D. Florida | Filed: Aug 18, 2010 | Docket: 2053686

Cited 3 times | Published

Morgan Stanley Smith Barney account pursuant to Section 222.21(2), Florida Statutes (2010). This was not her

In Re Kauffman

299 B.R. 641, 16 Fla. L. Weekly Fed. B 266, 2003 Bankr. LEXIS 1198, 2003 WL 22221205

United States Bankruptcy Court, M.D. Florida | Filed: Sep 15, 2003 | Docket: 1821205

Cited 3 times | Published

pursuant to 11 U.S.C. § 522(b) and Fla. Stat. § 222.21. (Doc. 16.) On February 19, 2003 the Court conducted

In Re Fernandez

236 B.R. 483, 23 Employee Benefits Cas. (BNA) 1547, 12 Fla. L. Weekly Fed. B 272, 1999 Bankr. LEXIS 885, 1999 WL 556865

United States Bankruptcy Court, M.D. Florida | Filed: Jun 30, 1999 | Docket: 2524182

Cited 3 times | Published

therefore, they are not exempt by virtue of Fla.Stat. § 222.21(2). Thus, the Trustee contends that the assets

In Re Wilbur

217 B.R. 314, 11 Fla. L. Weekly Fed. B 154, 1998 Bankr. LEXIS 69, 1998 WL 34666

United States Bankruptcy Court, M.D. Florida | Filed: Jan 20, 1998 | Docket: 1499484

Cited 3 times | Published

Statutes Schwab & Peak IRAs $ 68,996 § 222.21 Fla. Statutes Principal Mutual Annuity

In Re Handshaw

198 B.R. 633, 10 Fla. L. Weekly Fed. B 30, 1996 Bankr. LEXIS 893, 1996 WL 420447

United States Bankruptcy Court, M.D. Florida | Filed: Jul 18, 1996 | Docket: 1687930

Cited 3 times | Published

originally claimed as exempt pursuant to section § 222.21(2), Florida Statutes (1992). However, in response

Kapila v. Covino (In Re Covino)

187 B.R. 773, 9 Fla. L. Weekly Fed. B 148, 1995 Bankr. LEXIS 1400

United States Bankruptcy Court, S.D. Florida. | Filed: Sep 26, 1995 | Docket: 1842813

Cited 3 times | Published

their Schedule "C" pursuant to Florida Statute § 222.21. This exemption was amended on May 4, 1995 to

In Re Morrow

122 B.R. 151, 1990 Bankr. LEXIS 2605, 1990 WL 204391

United States Bankruptcy Court, M.D. Florida | Filed: Dec 11, 1990 | Docket: 1831503

Cited 3 times | Published

of the bankruptcy estate pursuant to Fla.Stat. § 222.21(2)(a), 11 U.S.C. § 522(b)(2)(A) or Fla.Stat. §

In Re Williams

118 B.R. 812, 1990 Bankr. LEXIS 1977, 1990 WL 132360

United States Bankruptcy Court, N.D. Florida | Filed: Jul 11, 1990 | Docket: 1093357

Cited 3 times | Published

retirement plan. The Debtors claimed as exempt under Section 222.21, Fla.Stat., funds held in a retirement plan

In Re Mathusa

446 B.R. 601, 23 Fla. L. Weekly Fed. B 21, 2011 Bankr. LEXIS 965, 2011 WL 1134680

United States Bankruptcy Court, M.D. Florida | Filed: Mar 28, 2011 | Docket: 2068389

Cited 2 times | Published

debtors claimed an exemption under Florida Statutes § 222.21(2) and Bankruptcy Code §§ 522(b)(3)(C)/522(d)(12)

In Re Brackett

259 B.R. 768, 45 Collier Bankr. Cas. 2d 1415, 14 Fla. L. Weekly Fed. B 217, 2001 Bankr. LEXIS 263, 2001 WL 282371

United States Bankruptcy Court, M.D. Florida | Filed: Mar 6, 2001 | Docket: 1095524

Cited 2 times | Published

635 So.2d 1012, 1014 (Fla.Dist.Ct.App.1994) ("Section 222.21(2) provides merely that, while sums payable

In Re Notargiacomo

253 B.R. 112, 13 Fla. L. Weekly Fed. B 343, 44 Collier Bankr. Cas. 2d 1493, 2000 Bankr. LEXIS 1065

United States Bankruptcy Court, S.D. Florida. | Filed: Sep 8, 2000 | Docket: 1792984

Cited 2 times | Published

the IRA Account ($471.56) under Florida Statute § 222.21(2). Debtor-Husband did not claim entitlement to

In Re Cason

211 B.R. 72, 11 Fla. L. Weekly Fed. B 18, 1997 Bankr. LEXIS 1009, 1997 WL 391618

United States Bankruptcy Court, N.D. Florida | Filed: Apr 22, 1997 | Docket: 1807215

Cited 2 times | Published

the retirement fund was exempt based on Florida Statute 222.21(2)(b): Any [ERISA-qualified] plan or arrangement

Beardsley v. Admiral Ins. Co.

647 So. 2d 327, 1994 Fla. App. LEXIS 12384, 1994 WL 706229

District Court of Appeal of Florida | Filed: Dec 21, 1994 | Docket: 437245

Cited 2 times | Published

entitled to exemption under section 222.21, Florida Statutes (1993). Section 222.21 provides in part: Money

In Re Rosenquist

122 B.R. 775, 1990 Bankr. LEXIS 2794, 1990 WL 209377

United States Bankruptcy Court, M.D. Florida | Filed: Dec 18, 1990 | Docket: 1832026

Cited 2 times | Published

Harris Plan plainly falls within the scope of Section 222.21(2)(a), Florida Statutes 1989. The question

In Re Pruner

122 B.R. 459, 1990 Bankr. LEXIS 2650, 1990 WL 212895

United States Bankruptcy Court, M.D. Florida | Filed: Dec 3, 1990 | Docket: 1831115

Cited 2 times | Published

claimed the property as exempt under Fla.Stat. § 222.21 in Schedule B-4. On January 26, 1990, FDIC filed

In Re Spears

121 B.R. 896, 1990 Bankr. LEXIS 2606, 1990 WL 204366

United States Bankruptcy Court, M.D. Florida | Filed: Nov 1, 1990 | Docket: 1608685

Cited 2 times | Published

of the bankruptcy estate pursuant to Fla.Stat. § 222.21(2)(a), 11 U.S.C. § 522(b)(2)(A), or 11 U.S.C.

In Re Podzamsky

122 B.R. 596, 24 Collier Bankr. Cas. 2d 1045, 1990 Bankr. LEXIS 2647, 1990 WL 213048

United States Bankruptcy Court, M.D. Florida | Filed: Oct 1, 1990 | Docket: 1831355

Cited 2 times | Published

exemption Interest in MAPA II Fla.Stat. § 222.21 n/a (entireties) 4. On February

In Re Horath

116 B.R. 835, 1990 Bankr. LEXIS 1414, 1990 WL 94729

United States Bankruptcy Court, M.D. Florida | Filed: Jun 13, 1990 | Docket: 1812960

Cited 2 times | Published

specifically immunized from claim of creditors by Fla.Stat. 222.21, their claim to exempt the IRA accounts should

In Re Powers

98 B.R. 577, 1989 Bankr. LEXIS 530, 1989 WL 34598

United States Bankruptcy Court, M.D. Florida | Filed: Mar 20, 1989 | Docket: 1811983

Cited 2 times | Published

age and length of service, and, that pursuant to § 222.21 Fla. Stat. which allows an individual debtor to

In Re Wilson

446 B.R. 555, 23 Fla. L. Weekly Fed. B 1, 2011 Bankr. LEXIS 590, 2011 WL 666514

United States Bankruptcy Court, M.D. Florida | Filed: Feb 24, 2011 | Docket: 2055841

Cited 1 times | Published

401(k) retirement plan, which was exempt under section 222.21(2) and valued at $29,651.53, the net value

In Re Turner

261 B.R. 767, 2001 Bankr. LEXIS 390, 2001 WL 455580

United States Bankruptcy Court, M.D. Florida | Filed: Mar 30, 2001 | Docket: 1740531

Cited 1 times | Published

Fla.Stat. §§ 222.21(2), 222.201 and 122.15. Section 222.21(2) provides that any money or other assets

Sawczak v. Goldenberg (In Re Goldenberg)

218 F.3d 1264, 2000 U.S. App. LEXIS 16915

Court of Appeals for the Eleventh Circuit | Filed: Jul 17, 2000 | Docket: 1118789

Cited 1 times | Published

description of assets exempted by Fla. Stat. Ann. § 222.21 (West 1998). Nevertheless, she argues that we

In Re Lawrence

235 B.R. 498

United States Bankruptcy Court, S.D. Florida. | Filed: Jul 2, 1999 | Docket: 1440735

Cited 1 times | Published

claims that the pension is exempt under FlaStat. § 222.21(2), which provides that: Except to the extent

In Re Hickox

215 B.R. 257, 11 Fla. L. Weekly Fed. B 133, 1997 Bankr. LEXIS 1971, 1997 WL 746898

United States Bankruptcy Court, M.D. Florida | Filed: Dec 1, 1997 | Docket: 1529672

Cited 1 times | Published

Account (IRA) as exempt pursuant to Florida Statute § 222.21(2). 8. On June 13, 1997, the Trustee filed an

Siegel v. Siegel

700 So. 2d 414, 1997 WL 586790

District Court of Appeal of Florida | Filed: Sep 24, 1997 | Docket: 1374030

Cited 1 times | Published

order. Contrary to appellant's argument, the section 222.21(2)(a), Florida Statutes (1995), exemption of

In Re Garrett

158 B.R. 859, 7 Fla. L. Weekly Fed. B 211, 29 Collier Bankr. Cas. 2d 836, 1993 Bankr. LEXIS 1256, 1993 WL 336050

United States Bankruptcy Court, M.D. Florida | Filed: Aug 31, 1993 | Docket: 1390771

Cited 1 times | Published

Code or, in the alternative, exempt pursuant to § 222.21(2)(a), Fla.Stat. Subsequent to the commencement

Dunn v. Doskocz

590 So. 2d 521, 1991 Fla. App. LEXIS 12257, 1991 WL 259258

District Court of Appeal of Florida | Filed: Dec 10, 1991 | Docket: 64663741

Cited 1 times | Published

presented for review is the effective date of section 222.21, Florida Statutes (1989), which exempts retirement

In Re Knowles

123 B.R. 428, 1991 Bankr. LEXIS 45, 1991 WL 4355

United States Bankruptcy Court, M.D. Florida | Filed: Jan 3, 1991 | Docket: 1495671

Cited 1 times | Published

administration by the Trustees pursuant to Florida Statute § 222.21(2)(a), 11 U.S.C. § 522(b)(2)(A), and 11 U.S.C

In Re Gurvich

132 B.R. 976, 1990 Bankr. LEXIS 2925

United States Bankruptcy Court, S.D. Florida. | Filed: Nov 1, 1990 | Docket: 1427802

Cited 1 times | Published

exemption under Florida law, Fla.Stat. Section 222.21 (F.S. Section 222.21), as well as various applicable federal

Anthony Davide v. AD Capital Collections, LLC

District Court of Appeal of Florida | Filed: May 7, 2025 | Docket: 70186675

Published

exemption from creditor claims afforded by section 222.21(2)(a), Florida Statutes. As to Davide’s second

In re Rechlin

597 B.R. 671

United States Bankruptcy Court, M.D. Florida | Filed: Mar 29, 2019 | Docket: 65791194

Published

payment is not to be made until a later date"). § 222.21(2)(a), Fla. Stat. (providing that money payable

Garcia-Lawson v. Lawson

211 So. 3d 140, 2017 WL 514338, 2017 Fla. App. LEXIS 1544

District Court of Appeal of Florida | Filed: Feb 8, 2017 | Docket: 60262543

Published

retirement benefits. Id. at 638. Relying upon then-section 222.21(2), Florida Statutes (1997), which provided

Jensen v. Anderson (In re Anderson)

561 B.R. 230

United States Bankruptcy Court, M.D. Florida | Filed: Oct 6, 2016 | Docket: 65789320

Published

to Debtor’s claim of exemption under Fla. Stat. § 222.21(2) for his IRA account, Morgan Stanley Account

Cohen ex rel. Estate of Jones v. Jones (In re Jones)

545 B.R. 769, 26 Fla. L. Weekly Fed. B 75, 2016 Bankr. LEXIS 414

United States Bankruptcy Court, M.D. Florida | Filed: Feb 8, 2016 | Docket: 65788371

Published

the account at Fidelity Investment. Fla. Stat. § 222.21(2). Under the circumstances of this case, however

In re Swarup

521 B.R. 382, 25 Fla. L. Weekly Fed. B 148, 2014 Bankr. LEXIS 5050, 2014 WL 7146358

United States Bankruptcy Court, M.D. Florida | Filed: Dec 15, 2014 | Docket: 65786961

Published

Accounts is exempt under Section 222.21(2) of the Florida Statutes.18 Section 222.21(2) provides “any interest

Baker v. Tardif

590 F.3d 1261, 48 Employee Benefits Cas. (BNA) 1543, 2009 U.S. App. LEXIS 28102, 2009 WL 4912122

Court of Appeals for the Eleventh Circuit | Filed: Dec 22, 2009 | Docket: 399516

Published

plan was not exempt under Florida law. Fla. Stat. § 222.21(2)(a)(1). We reverse and remand for further proceedings

In Re Davis

403 B.R. 914, 2009 Bankr. LEXIS 1063, 2009 WL 1080019

United States Bankruptcy Court, M.D. Florida | Filed: Apr 22, 2009 | Docket: 1462268

Published

accounts, as exempt under Florida law, Fla. Stat. § 222.21(1), Illinois law, 735 Ill. Com. Stat. 5/12-1006

In Re Baker

401 B.R. 500, 21 Fla. L. Weekly Fed. B 672, 2009 Bankr. LEXIS 505, 2009 WL 749031

United States Bankruptcy Court, M.D. Florida | Filed: Jan 29, 2009 | Docket: 1506809

Published

Fidelity Investment—Keogh plan is based on Section 222.21(2)(a)(1) of the Florida Statutes. It is the

In Re Kane

336 B.R. 575, 19 Fla. L. Weekly Fed. B 96, 2006 Bankr. LEXIS 35

United States Bankruptcy Court, S.D. Florida. | Filed: Jan 4, 2006 | Docket: 1775190

Published

for his IRA, the Debtor cited Florida Statutes § 222.21. Subparagraph (2)(a) of this statute provides

In Re Kane

336 B.R. 575, 19 Fla. L. Weekly Fed. B 96, 2006 Bankr. LEXIS 35

United States Bankruptcy Court, S.D. Florida. | Filed: Jan 4, 2006 | Docket: 1775190

Published

for his IRA, the Debtor cited Florida Statutes § 222.21. Subparagraph (2)(a) of this statute provides

Neilson v. Laing (In re Laing)

329 B.R. 759, 18 Fla. L. Weekly Fed. B 351, 2005 Bankr. LEXIS 1517

United States Bankruptcy Court, M.D. Florida | Filed: Jun 30, 2005 | Docket: 65782780

Published

retirement accounts as required by Florida Statutes § 222.21(2)(a). Further, the Slatkin Trustee has been unable

Church v. Hanft

870 So. 2d 185, 2004 Fla. App. LEXIS 2145, 2004 WL 360868

District Court of Appeal of Florida | Filed: Feb 25, 2004 | Docket: 64829640

Published

retirement benefits to Church, a judgment creditor. See § 222.21(2)(a), Fla. Stat. (2003)(“any money ... payable”

In Re Madia

294 B.R. 177, 16 Fla. L. Weekly Fed. B 121, 2003 Bankr. LEXIS 536, 2003 WL 21289974

United States Bankruptcy Court, M.D. Florida | Filed: Feb 14, 2003 | Docket: 1804817

Published

of $16,062. All were claimed under Fla. Stat. § 222.21(2) and U.S.C. § 522(d)(10)(E). On March 12, 2002

In Re Ladd

258 B.R. 824, 14 Fla. L. Weekly Fed. B 200, 45 Collier Bankr. Cas. 2d 1183, 2001 Bankr. LEXIS 159, 37 Bankr. Ct. Dec. (CRR) 115, 2001 WL 173516

United States Bankruptcy Court, N.D. Florida | Filed: Feb 6, 2001 | Docket: 1496941

Published

section 522(d)(10)(E), and under Florida Statute § 222.21(2)(a) as follows: Except as provided in paragraph

Shirley Sawczak v. Alan L. Goldenberg

218 F.3d 1264

Court of Appeals for the Eleventh Circuit | Filed: Jul 17, 2000 | Docket: 395926

Published

description of assets exempted by Fla. Stat. Ann. § 222.21 (West 1998). Nevertheless, she argues that we

Lawler v. Suntrust Securities, Inc.

740 So. 2d 592, 1999 Fla. App. LEXIS 11132, 1999 WL 628969

District Court of Appeal of Florida | Filed: Aug 20, 1999 | Docket: 64790676

Published

Dunn, 5 B.R. 156 (Bankr.N.D.Tex.1980). Nor can section 222.21, Florida Statutes, exempt the IRA from the

In Re Groff

234 B.R. 153, 12 Fla. L. Weekly Fed. B 191, 1999 Bankr. LEXIS 603, 1999 WL 333144

United States Bankruptcy Court, M.D. Florida | Filed: Feb 19, 1999 | Docket: 1757319

Published

are exempt property pursuant to Florida Statute § 222.21. Upon conducting a final evidentiary hearing and

In re Lesh

159 B.R. 982, 29 Collier Bankr. Cas. 2d 1630, 27 Fed. R. Serv. 3d 1516, 7 Fla. L. Weekly Fed. B 279, 1993 Bankr. LEXIS 1523, 1993 WL 418393

United States Bankruptcy Court, M.D. Florida | Filed: Oct 15, 1993 | Docket: 65780681

Published

the Florida Constitution, and Florida Statutes § 222.21, his interest in a 401(k) Pension Plan. The Debtor’s

In re Hadnot

138 B.R. 637, 6 Fla. L. Weekly Fed. B 58, 1992 Bankr. LEXIS 491, 1992 WL 64576

United States Bankruptcy Court, M.D. Florida | Filed: Mar 31, 1992 | Docket: 65780321

Published

exempt under applicable state or local law. Florida Statute 222.21(2)(a) provides: (a) Except as provided

In re Seslowsky

135 B.R. 692, 1991 Bankr. LEXIS 1957, 1991 WL 294573

United States Bankruptcy Court, S.D. Florida. | Filed: Nov 29, 1991 | Docket: 65780281

Published

inconsistent with Suarez and Kimmel in that Fla.Stat. Section 222.21(2)(a) does not attempt to regulate any matters

In Re Lesh

131 B.R. 1002, 1991 Bankr. LEXIS 1379, 1991 WL 191340

United States Bankruptcy Court, M.D. Florida | Filed: Aug 20, 1991 | Docket: 1829656

Published

administration by the Trustee pursuant to Florida Statute § 222.21(2)(a). The Court has considered the Objection

In Re Rosenbloom

132 B.R. 970, 1991 Bankr. LEXIS 1966

United States Bankruptcy Court, S.D. Florida. | Filed: Mar 5, 1991 | Docket: 1429909

Published

status of pension plan benefits, Florida Statute § 222.21(2)(a) provides as follows: Except as provided

In re Minnig

119 B.R. 326, 1990 Bankr. LEXIS 2053, 1990 WL 140304

United States Bankruptcy Court, M.D. Florida | Filed: Sep 21, 1990 | Docket: 65780079

Published

of the Bankruptcy Code and Florida Statutes Section 222.21. Among the property the Debtors claimed as

Murray Industries, Inc. v. Norwest Bank Minneapolis, N.A. (In re Murray Industries, Inc.)

106 B.R. 730, 1989 Bankr. LEXIS 1917

United States Bankruptcy Court, M.D. Florida | Filed: Oct 18, 1989 | Docket: 65779901

Published

would *733be exempt under local law by virtue of § 222.21 of the Florida Statutes. Disregarding this peripheral

Murray Industries, Inc. v. Norwest Bank Minneapolis, N.A. (In re Murray Industries, Inc.)

105 B.R. 96, 1989 Bankr. LEXIS 1557

United States Bankruptcy Court, M.D. Florida | Filed: Aug 29, 1989 | Docket: 65779877

Published

the law of this State, by virtue of Fla.Stat. § 222.21, these claims are exempt. The immediate matters