North Dakota Retirement Asset Protection Laws

North Dakota laws protect the following retirement assets from creditors:

• pensions, annuity policies, or plans, and life insurance policies that have been in effect for at least one year;
• IRAs, Keoghs, and simplified employee pension (SEP) plans;
• qualified retirement plans sponsored by nonprofit corporations;
• proceeds, surrender values, payments, and withdrawals from the above plans up to $100,000 for each plan, with a combined limit of $200,000 for all plans, except for child or spousal support obligations (The dollar limit does not apply to the extent this property is reasonably necessary for the support of the debtor and dependents, except that the plans are not exempt from enforcement of a spousal or child support order or a QDRO.);
• veterans' disability benefits, not including military retirement pay, except for child support obligations; and
• pensions, annuities, or retirement, disability, death, or other benefits from a state retirement system or firemen's relief association benefits.