ABLE accounts
The disability savings account
Reviewed in every planFederal and state Savings that do not count against SSI or Medicaid limits. Where money from a family can go without ending benefits. A parent, sibling, or person with power of attorney can open it, in any state's program, in a day. Starting in 2026 the disability only needs to have begun before age 46.
Leads to
Special needs trust, for larger amounts
Where Families Get Stuck
Not knowing it exists until the day a gift or inheritance pushes their savings over $2,000 and the check stops.
The details
- Worth
- Up to $100,000 saved without losing SSI
- Forms
- Any state ABLE program, online
We research and prepare. We do not file.