U.S. Department of the Treasury / State ABLE Programs
Max Benefit
$100K
Enrollment Period
Open enrollment
ABLE (Achieving a Better Life Experience) accounts are tax-advantaged savings accounts that allow individuals with qualifying disabilities to save money without losing eligibility for federal means-tested benefits such as SSI and Medicaid, up to a $100,000 balance. Annual contributions up to the gift tax exclusion ($18,000 in 2024) can come from the account owner, family, and friends; withdrawals for qualified disability expenses (housing, education, transportation, health) are tax-free. Starting January 1, 2026, the age-of-onset limit expands from before age 26 to before age 46.
Answer each question — we'll show you exactly what applies to your situation.
Do you have a documented disability?
Are you a US citizen or qualifying non-citizen?
ABLE account balances above $100,000 may affect SSI cash benefits?