Can I use ABLE funds to pay for a vacation?

Maybe. Qualified disability expenses may differ from beneficiary to beneficiary depending on their disability. A vacation could qualify as an eligible expense if it maintains or improves the health, independence, or quality of life of the person living with a disability.

Can I use funds to pay for housing or rent?

You can use money from an ABLE account for housing expenses. If you’re eligible for Supplemental Security Income (SSI), the money must be used within the month it was withdrawn so it doesn’t count as income for the month in determining your SSI eligibility. Plus, having an ABLE account doesn’t...

Can money in my ABLE account be recovered in a bankruptcy?

No. The ABLE account is protected from bankruptcy.

Can my ABLE account move from one state to another?

Yes, you can choose to roll over your account from one state’s program to another.

Can out-of-state contributors receive tax deductions?

Some states offer parity, meaning that the contributor’s state of residence may offer a state deduction for putting money into another state’s plan. It would be dependent upon each state’s individual program.

Can someone else access my account?

To keep the account safe, don’t share your password or let someone else have access to your account, unless they are the Authorized Legal Representative. If you want to add, change, or remove the Authorized Legal Representative for the account, we have forms to help you with the process.

Can there be more than one Authorized Legal Representative (ALR)?

There can only be one Authorized Legal Representative per account, but you can transfer an ALR by filling out this form or calling us at 1-855-5MD-ABLE (1-855-563-2253) from 9am-8pm ET.

Can wages or other income be deposited into an ABLE account?

Yes, any income can be deposited however total annual deposits may not exceed $17,000 in calendar year 2023.

Change of ALR Form

Contact Us

We’re here to help Have questions? Get in touch. Give us a call Monday through Friday, at 1-855-563-2253 from 9am-8pm ET. Individuals with speech or hearing disabilities may dial 711 to access Telecommunications Relay Service (TRS) from a telephone or TTY. Email us For general inquiries, email...