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Stephen Beck, Jr. Achieving a Better Life Experience (ABLE) Act
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The Stephen Beck, Jr. Achieving a Better Life Experience Act (ABLE Act) became law on December 19, 2014. The ABLE Act creates a new option for some people with disabilities and their families to save for the future, while protecting eligibility for public benefits.

ABLE plans can change the way individuals with disabilities and their families participate in the community, build financial wellness and plan for the future by empowering them to save and invest for the added expenses that come with having a disability without losing access to federal means-tested benefits.

ABLE accounts foster person-centered independence, build self-reliance, encourage employment and improve quality of life. Contributions to ABLE accounts can come from earnings, family, friends and other sources. Earnings on ABLE accounts are tax-deferred, and withdrawals are tax-free as long as they are used for qualified disability-related expenses.



Click on your state below to learn more about the ABLE plan your state offers

Green - Nationally Sold                 Gold - State Residents Only

If your state does not have an ABLE Plan, you can participate in any of the plans that are sold nationally.

Having an ABLE account now means financial security. I just put a down payment on an accessible vehicle with the money I saved in my ABLE account. I don’t know what I would do without ABLE.
Wendy Settles, Illinois, Young adult professional with Cerebral Palsy
ABLE at a Glance

42 states and the District of Columbia have launched ABLE programs

45,928 total ABLE accounts opened nationwide

$5,656 average savings in ABLE accounts

$259.8 million invested in ABLE accounts nationally

 Data provided by Strategic Insight as of 06/30/19



Letter to United States Senate - November 15, 2019

IRS Notice of Proposed Rulemaking:  Contribution Limits Applicable to ABLE Accounts - October 10, 2019

US Department of Housing & Urban Development Guidance on the Treatment of ABLE Accounts in HUD-Assisted Programs - April 26, 2019

Internal Revenue Service Release 2018-139 - Guidance on ABLE Accounts and the Saver's Tax Credit - June 15, 2018

Centers for Medicare & Medicaid Services Guidance: Implications of the ABLE Act for State Medicaid Programs - September 7, 2017

US Department of Agriculture Guidance: Treatment of ABLE accounts in Determining SNAP Eligibility - April 4, 2016 

Guidance Under Section 529A: Qualified ABLE Programs - A Proposed Rule by the Internal Revenue Service - June 6, 2015 

Social Security Adminstration Program Operations Manual System (POMS) regarding ABLE Accounts 


NAST ABLE Committee Leadership

NAST Advocacy Toolkit for the ABLE Age Adjustment Act S651/HR1814


ABLE Committee Letter to the IRS regarding adding Social Security Representative Payees (“Representative Payee”) to the list of those who can establish and administer an ABLE account - May 29, 2019

ABLE One Page Advocacy Handout

State ABLE Administrator Contact Information

NAST Resolution: Supporting Enhancements to the Stephen Beck Jr., Achieving a Better Life Experience - February 5, 2018

ABLE Frequently Asked Questions


ABLE In The News
Celebrating the Fifth Anniversary of the Achieving a Better Life Experience Act - December 19, 2019

529 ABLE Accounts: Helping End Forced Poverty For Disabled Individuals - November 12, 2019

How to Plan for Retirement and Special-Needs Care - October 19, 2019
Recent Changes to ABLE Accounts and Why Your Client Might Want One - September 23, 2019
Top Ways to Plan for Your Special Needs Child's Future - August 2019
There’s a game-changing way for people with disabilities to save - August 24, 2019
Treasurer Davis Celebrates One Year Anniversary of Delaware ABLE Plan, Releases Video - June 25, 2019

Expanding the ABLE Act will help those who need it most - March 29, 2019

It’s Disability Employment Awareness Month: ABLE to Work helps Americans with disabilities - October 25, 2018

Sen. Burr and Sen. Casey ABLE Op-Ed - August 11, 2018

MO and IL Treasurers Discuss ABLE on Education Talk Radio - July 11, 2018

Read the NAST response to recent media here - June 28, 2018

FiscalTiger: 529 ABLE Savings Account: What It Is and How to Set One Up for Your Special Needs Child - March 28, 2018

WV Treasurer launches WVABLE program for individuals with disabilities - February 9, 2018