Save with an ABLE Account

ABLE programs allow you to invest in your future without jeopardizing current benefits.

The ABLE basics

ABLE accounts allow individuals with disabilities or blindness and their families to save for the resources they need today and in the future.

Why Save with ABLE?

  • Get special tax advantages
    Income earned on ABLE savings will not be taxed. Plus, some states allow for state income tax deductions for contributions made to an ABLE account.
  • Help grow your savings
    ABLE programs offer account owners multiple investment options to help make their savings work harder for them. Plus, most ABLE programs offer a debit card option so you can access your savings at your convenience.
  • Maintain current benefits
    ABLE accounts allow individuals to save without jeopardizing their eligibility for SSI, Medicaid, and other public benefits.

Using Your Savings
Your ABLE savings can be used for any expense that might help you improve or maintain your quality of life, including:

  • Education
  • Housing
  • Transportation
  • Employment training and support
  • Assistive technology
  • Personal support services
  • Health care expenses
  • Financial management
  • Administrative services

Are You ABLE Eligible?
Individuals with qualifying disabilities that had an age of onset before 26 are eligible to save through an ABLE program. Starting in 2026, the age of onset increases to 46. Learn more.

  • If you meet this age criteria and are eligible for benefits under SSI and/or SSDI, you’re automatically eligible to establish an ABLE account.
  • If you are not eligible for SSI and/or SSDI, but still meet the age of onset disability requirement, you could still be eligible to open an ABLE account if you meet Social Security’s definition regarding significant functional limitations and attest to a disability certification.

Start Saving with ABLE

Ascensus provides program management and support services for several ABLE programs across the nation. Use our directory below to find the program that’s right for you. Remember: No matter where you call home, there’s an ABLE plan for you.





District of Columbia








New Hampshire

New Jersey

New York

North Carolina


Rhode Island


Additional resources for savers

How to save for college

Give the gift of savings