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SSA Spotlight on ABLE Accounts

Social Security Administration. "Spotlight on Achieving a Better Life Experience (ABLE) Accounts." 2026 edition.

Key findings used in wiki

  • SSA describes ABLE as a tax-advantaged savings account for qualified disability expenses.
  • The 2026 edition reflects the expanded rule that disability onset may be before age 46 beginning in 2026.
  • SSA states that a person may have only one ABLE account, that annual contributions are generally tied to the federal gift-tax exclusion, and that the first $100,000 is disregarded for SSI resource purposes.
  • It also explains that Medicaid continues even when ABLE balances exceed the SSI threshold, and that remaining funds may be subject to Medicaid payback after death.
  • The page's qualified-disability-expense list supports the wiki's broad description of allowable uses, including housing, education, transportation, legal fees, and health-related expenses.