Real help with everyday needs.

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.

Supported Employment helps individuals with the most significant disabilities — including intellectual disabilities, autism, traumatic brain injuries, and severe psychiatric disabilities — obtain and maintain competitive integrated employment through ongoing job coaching, customized job development, and workplace supports. Services follow a "place then train" model, focusing on real jobs at real wages alongside nondisabled coworkers before or instead of pre-employment training in segregated settings. Long-term support services are typically funded through Medicaid waiver programs after the initial VR funding period ends.

The Vocational Rehabilitation (VR) program provides individualized services to help people with physical, mental, or cognitive disabilities prepare for, obtain, retain, or advance in competitive integrated employment. Funded through the federal Rehabilitation Act and administered by state VR agencies, services can include career counseling, job training, college tuition assistance, assistive technology, transportation, and job placement support. An Individualized Plan for Employment (IPE) is developed collaboratively between the counselor and the individual at no cost.