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  • Who can be a beneficiary of a Maryland ABLE account?

    If you developed a disability or blindness before the age of 26* and are eligible for SSI or SSDI benefits, or have a signed Diagnosis Form from a licensed physician, you can open an account. *Age increases to 46 after January 1, 2026.

  • Who can contribute to an ABLE account?

    Anyone! A family member, friend, or you, the person with a disability, may contribute to an ABLE account. 

  • 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...

  • Who can send me gifts?

    Once you’ve set up your gifting page, anyone who has a link to it can contribute towards your goal. You can also give friends and family a Gift Form if they’d like to mail a check contribution. Keep in mind that gift contributions count toward your yearly standard contribution limit. So, if you’ve...

  • Who do I contact for help with SSA direct deposits?

    If you need help updating your ABLE account settings or finding your account number, contact us here. For help updating your direct deposit information with the SSA, you can reach out to their team here.

  • Who owns the account?

    The account is owned by the beneficiary, regardless of whether they opened the account or it’s managed by an Authorized Legal Representative. The funds in the account belong to the beneficiary.

  • Who qualifies for an income deduction on their State taxes?

    Maryland offers up to a $2,500 income deduction per contributor, per beneficiary, on your Maryland State tax return.

  • Will having an account make me ineligible for Medicaid?

    No. Having an ABLE account doesn’t count towards your eligibility for Medicaid regardless of the amount in the ABLE account.

  • Withdrawal Form

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.

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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.

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