Disposable Earnings defined by CCPA
Disposable earnings" is the amount of earnings left after legally required deductions (e.g., taxes and mandated payments for state employee retirement systems) have been made.
60% of the employee’s “disposable earnings” if not supporting another spouse and/or family.
Add 5% if employee is at least 12 weeks late/in arrears.
Deductions not required by law (e.g., union dues, health and life insurance, and charitable contributions) are not subtracted from gross earnings when the amount of disposable earnings for garnishment purposes is calculated (some states do subtract health insurance premiums from gross to determine disposable earnings).