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How Does the Haven Act Impact My Means Test?

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In a Nutshell

Under the HAVEN Act, veterans or their family members who file Chapter 7 bankruptcy may exclude the certain types of income from the means test.

Written by Attorney Andrea Wimmer
Updated September 8, 2021

Disabled veterans, reservists called to active duty and members of the national guard don't have to count compensation connected to their service as part of the bankruptcy means test

In 2019, Congress passed the HAVEN Act to expand this protection for veterans and their families. Under the HAVEN Act, Veterans or their family members who file Chapter 7 bankruptcy may exclude the following types of income from their means test analysis

  • Disability and death benefits paid by the Veterans Administration under Title 38. 

  • Monthly special compensation for catastrophic injuries or illnesses paid to servicemembers under 37 U.S.C. § 439. 

  • Any combat-related special compensation paid by the Department of Defense under 10 U.S.C. § 1413a. 

  • Disability severance pay paid by the Department of Defense under 10 U.S.C. § 1212. 

  • Any payment by the Department of Defense to a survivor in connection with the death of a member of the uniformed services. See 10 U.S.C. §§ 1431-1456. 

  • Disability-related military retired pay paid by the Department of Defense to a servicemember retired under 10 U.S.C. §§ 1201-1202, 1204-1205 but only to the extent that they exceed the military retirement amount the veteran would have received if they retired without a disability.  

NOTE: The HAVEN Act only impacts your means test analysis. It does not affect any other part of your petition and does not create any exemptions.

Written By:

Attorney Andrea Wimmer


Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team as Managing Editor. While in private practice, Andrea handled... read more about Attorney Andrea Wimmer

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