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• How can I use the money in my account?

  You can withdraw money from the account and use it for eligible qualified disability expenses which includes most costs associated with living with a disability.  See the list of approved categories for more details.

• How do gifting limits work?

  Gift contributions count towards your standard contribution limit for the year. Friends and family will be prevented from making gift contributions that go beyond the gifting limit you set, but gift contributions could also be capped by contributions you make. For example, if your gifting limit is...

• How do I add multiple bank accounts?

  Once you’re logged in to your Maryland ABLE account, find your “Accounts” section in Your Profile and click on “Add a new bank account.”  Follow the steps to connect a new bank account associated with either the beneficiary of the Maryland ABLE account or the Authorized Legal Representative.  Keep...

• How do I choose an investment option?

  If you decide to invest all or some of the money, there are four investment options to pick from: ABLE Fixed Income, ABLE Conservative, ABLE Moderate, and ABLE Aggressive.  We can help educate you on the differences between the four, but we can’t tell you which one to pick. You can learn more about...

• How do I make a gift contribution online?

  To contribute online, first make sure the recipient has set up their gifting page. Then, use their gifting page link to fill out the form fields as directed — it’s just the usual stuff, like your name, address, the amount you want to contribute, the payment method you would like to use, and the...

• How do I manage bank accounts for multiple beneficiaries?

  If you are managing ABLE accounts for more than one beneficiary, you can use the same banking information on multiple accounts. The bank account has to be added to each plan account individually.

• How do I prove an eligible expense?

  We don’t need proof of your expenses, but you should have it for your records as the IRS may require you to provide proof of qualified disability expenses in the case of an audit.

• How do I set up my gifting page?

  To create a gifting page: Sign in: Click the gifting link on your account overview page. Set a gifting limit: You can decide to cap the amount of gift contributions you receive each year so that you can add more money to your ABLE account. Review & Publish: Get a preview of what it will look...

• How do I set up SSA direct deposits?

  Complete the setup process in three simple steps: Log in to your ABLE account and click on “Direct Deposit” on the Total Balance tile. Or, once logged in, go to “Transfers > Direct Deposit.” Enter your information and retrieve your direct deposit details that can be provided to the SSA —...

• How does gifting work?

  To help friends and family grow a loved one’s ABLE account, we created a special Gift Form to facilitate the process. Fill out the information about the beneficiary and their ABLE account, and include a check of at least $10 made payable to the Maryland ABLE with the amount you want to gift. The...