Ohio Revised Code

Ohio Rev. Code § 3923.19 (2026)

Benefits exempt from legal process - exception

✓ current as of May 2026
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(A) Benefits under all policies of sickness and accident insurance are not liable to attachment or other process, or to be taken, appropriated, or applied by any legal or equitable process or by operation of law, either before or after payment of the benefits, to pay any liabilities of the person insured under any such policy to the extent that the benefits are reasonably necessary for the support of the debtor and any dependents of the debtor.

When a policy provides for a lump sum payment because of a dismemberment or other loss insured, the payment is exempt from execution by the insured's creditors.

(B)(1) A payment under a stock bonus, pension, profitsharing, annuity, or similar plan or contract on account of illness, disability, death, age, or length of service, to the extent reasonably necessary for the support of the person who is the beneficiary of the plan or party to the contract and any dependents of the person, is not liable to attachment or other process, or to be taken, appropriated, or applied by any legal or equitable process or by operation of law, either before or after payment of the benefits, to pay any liabilities of the person unless all of the following apply:

(a) The plan or contract was established by or under the auspices of an insider that employed the person at the time the person's rights under the plan or contract arose.

(b) The payment is on account of age or length of service.

(c) The plan or contract does not qualify under section 401(a), 403(a), 403(b), or 408 of the Internal Revenue Code of 1986, 100 Stat. 2085, 26 U.S.C. 1, as amended.

(2) When a plan or contract provides for a lump sum payment because of a dismemberment or other loss covered by the plan or contract, the payment is exempt from execution by the person's creditors.

Notes of Decisions
Cited in 6 cases (1 in the last 5 years), 2000–2022 · leading case: In re Feasel, 277 B.R. 335 (Bankr. N.D. Ohio 2001).
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In re Feasel, 277 B.R. 335 (Bankr. N.D. Ohio 2001). · cites it 14× “1 In accordance therewith, the Trustee, in his Memorandum in Support, argues as follows: Under the provisions of R.C. 3923.19, the exemption statute, Linda Feasel would be entitled to $600.”
In re Bellisari, 554 B.R. 440 (Bankr. S.D. Ohio 2016). · cites it 17× “Ohio Rev.Code § 3923.19. A. Character of the Annuity Payments Debtor contends, and the Court agrees, that the monthly payments due under the Annuity do not lose them character as benefits or proceeds of the Insurance Policy simply because the Annuity supplanted the benefits due…”
Stephen Stanley v. FCA US, LLC, 51 F.4th 215 (6th Cir. 2022). “2014) (citing Ohio Rev. Code § 3923.19(A)) (no motive found in part because any funds recovered from the undisclosed disability lawsuit were exempt from the bankruptcy court’s reach under law).”
In Re Feasel, 277 B.R. 334 (Bankr. N.D. Ohio 2001). · cites it 14× “[1] In accordance therewith, the Trustee, in his Memorandum in Support, argues as follows: Under the provisions of R.C. 3923.19, the exemption statute, Linda Feasel would be entitled to $600.”
In Re Alam, 336 B.R. 320 (Bankr. N.D. Ohio 2005). · cites it 6× “Ohio Rev.Code § 3923.19. It is apparent from the joint stipulation of facts that the proceeds which funded the Fidelity Account were derived from Debtor Shah Alam’s settlement with Continental Casualty (“Continental”) in his lawsuit for disability benefits.”
In re Feasel, 253 B.R. 529 (Bankr. N.D. Ohio 2000). · cites it 2× “00) dollar per month limitation contained in O.R.C. § 3923.19. *530 It is FURTHER ORDERED that the Clerk, U.”
— Ohio Rev. Code § 3923.19(A) — 2 cases
Stephen Stanley v. FCA US, LLC, 51 F.4th 215 (6th Cir. 2022). “2014) (citing Ohio Rev. Code § 3923.19(A)) (no motive found in part because any funds recovered from the undisclosed disability lawsuit were exempt from the bankruptcy court’s reach under law).”
In re Bellisari, 554 B.R. 440 (Bankr. S.D. Ohio 2016). “Ohio Rev.Code § 3923.19. A. Character of the Annuity Payments Debtor contends, and the Court agrees, that the monthly payments due under the Annuity do not lose them character as benefits or proceeds of the Insurance Policy simply because the Annuity supplanted the benefits due…”
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