Who can open an ABLE account?

ABLE accounts can be opened for eligible U.S. citizens and legal residents living in any state in the United States, regardless of whether the state has an ABLE program. 

An adult beneficiary with a qualifying disability can open and manage a Maryland ABLE account or have an Authorized Legal Representative do it for them. 

If a beneficiary is under the age of 18, they must have an Authorized Legal Representative (also known as an ALR) open an account for them. An ALR must have been selected by the beneficiary, have a valid Power of Attorney, Legal Guardianship or Conservatorship documentation, or be a spouse, parent, sibling grandparent, or representative payee (individual or organization) of a beneficiary under the age of 18. Learn more about the ALR role here. 

Remember, a beneficiary can only have one ABLE account at a time. 

Sign up and start saving

Once you are ready to enroll, you can set up your account here online. When opening a Maryland ABLE account, make sure you have ready identifying information about the beneficiary, the qualifying disability, and how the ABLE account will be funded.

Photo of a woman and child speaking in sign language

Stay in the know

Be the first to hear about events and news from Maryland ABLE.

Join mailing list

Have Specific Questions?

Here are a few ways to get answers. You can contact us online, give us a call Monday through Friday, at 1-855-563-2253 from 9am-8pm ET, or you can browse frequently asked questions.

Individuals with speech or hearing disabilities may dial 711 to access Telecommunications Relay Service (TRS) from a telephone or TTY.

Go to FAQs