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ABLE Accounts, in Plain Language

In short: An ABLE account is a special savings account for people with disabilities. You can save money in it without losing most benefits like SSI and Medicaid.

1 min read · Flutterli Editorial Team

A woman with Down syndrome reads a savings booklet at a kitchen table while a friend sits beside her. A piggy bank is on the table.

What is an ABLE account?

An ABLE account is a savings account for people with disabilities. Money in the account can be used for things like rent, food, transportation, school, and health care.

For many people, money in an ABLE account does not count against benefit limits.

Who can open one?

  • People whose disability started before a certain age (starting in 2026, this means before age 46).
  • You can open it yourself, or with help from someone you trust.
  • Each person can have one ABLE account.

How to open an account

  1. Pick an ABLE program. Many states have one, and you can often use another state's program.
  2. Gather your information: Social Security number and a way to show your disability.
  3. Apply online or by phone.
  4. Keep receipts for what you spend.

Where to learn more

The ABLE National Resource Center has guides and a tool to compare state programs.