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About the National Association of State Treasurers

ABLE (Achieving a Better Life Experience)

Empowering people with disabilities and their families to save for the future, while protecting eligibility for public benefits

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. 

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States and D.C. have launched ABLE programs
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ABLE accounts opened nationwide
$ 0
Average savings in ABLE accounts
$ 0 M
Invested in ABLE accounts nationally

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

Green - Open to residents of all states

Gold - Open to state residents only

If your state does not currently offer an ABLE Plan (shown in BLUE on the map), you can participate in any of the plans that are open to residents of any state.

“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 in the News