See details for your state

U.S. Department of the Treasury / State ABLE Programs

ABLE Accounts

BenefitDisability SupportRecurringRolling

What it may cover

$100K

Enrollment

Open enrollment

Where available

Check locally

What you get

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.

Support for disability-related income, healthcare, services, equipment, or independent living needs.

Bring medical, school, or agency records that explain the disability and the support needed.

Do you qualify?

Check what applies to you. Your answers are saved on this device so you can come back later.

0/4 confirmed

Do you have a disability with onset before age 26?
Do you meet SSI or SSDI disability criteria, or have a diagnosed condition on the SSA compassionate allowances list, or have a physician's certification?
Are you a U.S. citizen or resident alien?
ABLE account balances above $100,000 may affect SSI cash benefits?

What to bring

If you do not have one of these, apply anyway and ask what substitutes are accepted.

1Government-issued photo ID
2Social Security number
3Disability certification (SSI/SSDI award letter, or physician statement if self-certifying)
4State ABLE program enrollment form

How to apply

Processing time varies by location and program funding.

1Find the right local officeUse your ZIP code to confirm the local benefits office that handles ABLE Accounts.
2Apply online, by phone, or in personUse the official application path and keep a copy of anything you submit.
3Complete the interview or verificationMany benefits require a short call, appointment, or document check.
4Watch for a decisionKeep mail, email, and phone open so you do not miss follow-up requests.

Find local help

Your ZIP helps you confirm the right local office and state-specific rules.

You may also qualify for

Other programs in the same category that often go hand-in-hand.

Administration for Community Living, U.S. Department of Health and Human Services

Assistive Technology Act Programs

Administration for Community Living, U.S. Department of Health and Human Services

Independent Living Centers

Centers for Medicare & Medicaid Services

Medicaid HCBS Waivers

See details for your state

U.S. Department of the Treasury / State ABLE Programs

ABLE Accounts

BenefitDisability SupportRecurringRolling

What it may cover

$100K

Enrollment

Open enrollment

Where available

Check locally

What you get

Support for disability-related income, healthcare, services, equipment, or independent living needs.

Bring medical, school, or agency records that explain the disability and the support needed.

Do you qualify?

Check what applies to you. Your answers are saved on this device so you can come back later.

0/4 confirmed

Do you have a disability with onset before age 26?
Do you meet SSI or SSDI disability criteria, or have a diagnosed condition on the SSA compassionate allowances list, or have a physician's certification?
Are you a U.S. citizen or resident alien?
ABLE account balances above $100,000 may affect SSI cash benefits?

What to bring

If you do not have one of these, apply anyway and ask what substitutes are accepted.

1Government-issued photo ID
2Social Security number
3Disability certification (SSI/SSDI award letter, or physician statement if self-certifying)
4State ABLE program enrollment form

How to apply

Processing time varies by location and program funding.

1Find the right local officeUse your ZIP code to confirm the local benefits office that handles ABLE Accounts.
2Apply online, by phone, or in personUse the official application path and keep a copy of anything you submit.
3Complete the interview or verificationMany benefits require a short call, appointment, or document check.
4Watch for a decisionKeep mail, email, and phone open so you do not miss follow-up requests.

Find local help

Your ZIP helps you confirm the right local office and state-specific rules.

You may also qualify for

Other programs in the same category that often go hand-in-hand.

Administration for Community Living, U.S. Department of Health and Human Services

Assistive Technology Act Programs

Administration for Community Living, U.S. Department of Health and Human Services

Independent Living Centers

Centers for Medicare & Medicaid Services

Medicaid HCBS Waivers