For too long, people with disabilities could not save for the future out of fear of losing needed government benefits. The disability community fought long and hard to change this, and together we’ve come up with a solution.

An ABLE for ALL Savings Plan is a way to save for eligible expenses, invest for the future and keep the benefits you rely on every day.


Are you eligible?

Any U.S. citizen who developed a qualifying disability before the age of 26 is eligible for an account. If someone can’t open an account themselves, an Authorized Legal Representative (also known as an ALR) can do it for them.

An ALR must be able to demonstrate that they have been designated as the Power of Attorney, Legal Guardian or Conservator for the beneficiary. If the beneficiary is under the age of 18, the ALR can also be a parent.


What are the ABLE benefits?

You can save and invest up to $15,000 a year for a wide range of eligible expenses. The account’s growth is tax free and your contributions may qualify for a state income tax deduction.

Best of all, your benefits won’t be affected, including your Supplemental Security Income (SSI) as long as the account stays below $100,000. Other benefits are not affected regardless of the amount saved in the account.

You’ll also have access to our network of established partners in the disability community for more support in reaching your financial goals.


How does it work?

The account can be managed online, so it’s easy to access, contribute, or withdraw money; even friends and family can add to the account. It’s never been easier to save and invest for your future.


What qualifies as an eligible expense?

The money from the account can be used for everyday needs or an unexpected turn of events. The eligible expenses are geared towards improving health, independence and quality of life. Including:

  • Health, prevention and wellness
  • Financial management
  • Administrative services
  • Legal fees
  • Oversight and monitoring
  • Funeral and burial
  • Living Expenses
  • Education
  • Housing
  • Transportation
  • Employment training and support
  • Assistive technology
  • Personal support services

What makes us special?

Our program is unique because it was created with the support of people with disabilities and those working with the disability community. We collaborate with nonprofit organizations and government agencies that focus on disability issues and champion our cause.

We established ways for people to get in-person assistance with in-state partners in case they need additional support. Our support team goes above and beyond with intensive training to help empower beneficiaries with information provided in a way that is most useful for that person.

We’re also the first ABLE program to partner with Sumday, a program manager that offers a fun, simple and intuitive online platform that helps people manage their ABLE accounts to reach their dreams.