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The Stephen Beck, Jr. Achieving a Better Life Experience (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 changes the way individuals with disabilities and their families can participate in the community, build financial wellness and plan for their futures by empowering them to save and invest for the additional expenses that come with having a disability without losing, or 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 a state to learn more about ABLE plans

Green - Nationally Sold                 Gold - State Residents Only

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*

ABLE Committee Leadership

42 states and the District of Columbia have launched ABLE programs

34,707 total ABLE accounts opened nationwide

$4,947 average savings in ABLE accounts

$171.7 million invested in ABLE accounts nationally




Treatment of ABLE Accounts in HUD-Assisted Programs
ABLE Age Adjustment Act Advocacy Toolkit
ABLE One Pager
State ABLE Admin Contacts
Resolution: Supporting Enhancements to the Stephen Beck Jr., Achieving a Better Life Experience (2.5.18)
NAST Letter to U.S. Department of Housing and Urban Development Leadership (3.27.18)
Resolution: Encourage the United States Department of Housing and Urban Development to Disregard ABLE Funds (For Federal Housing Program Eligibility Determination) (3.15.18)
ABLE Frequently Asked Questions
ABLE IRS Release 2018-139


Read the NAST response to recent media here.
It’s Disability Employment Awareness Month: ABLE to Work helps Americans with disabilities (10.25.18)
Sen. Burr and Sen. Casey ABLE Op-Ed (8.11.18)
MO and IL Treasurers Discuss ABLE on Education Talk Radio (7.11.18)
FiscalTiger: 529 ABLE Savings Account: What It Is and How to Set One Up for Your Special Needs Child (3.28.18)
WV Treasurer launches WVABLE program for individuals with disabilities (2.9.18)
Expanding the ABLE Act will help those who need it most (3.29.19)


*Data provided by Strategic Insight as of 12/31/18