The income (net pay amount) after statutorily required deductions from an employee’s pay that is available to be garnished. Statutorily defined deductions include taxes, prior garnishments and may include health insurance, union dues, and so on; these additional items would be specified in the garnish order. The “Excludable” portion of the disposable income is that portion of the garnish-able income that is excluded from the garnishment. This is usually specified as a percentage but can be a dollar amount. It is done so that the employee does have some take-home pay.