- In calendar year 2026, a total of $20,000 may be directly deposited into an ABLE account by the person with a disability or from:
- Friends and Family
- Special Needs Trust
- 529 Qualified Tuition Plan
Contributions may be made from a 530(A) Trump Account at age 17. The full balance must be rolled over into the ABLE account, and the amount does not count in the annual contribution limit.
In addition, an ABLE account owner who resides in the continental U.S. who works and does NOT participate in an employer sponsored retirement plan – within that calendar year – may contribute up to an additional $15,650 into their ABLE account, or up to their employment earnings, whichever is less. It is higher for residents of Alaska: $19,550 and Hawaii: $17,990.
Up to $100,000 in savings within an ABLE account is disregarded as a resource and will NOT affect Supplemental Security Income (SSI).
Any amount of ABLE savings up to the plan limit, which can between $235,000 – $596,925 depending on the plan, will NOT affect eligibility for:
- Social Security and Disability Insurance (SSDI), or
- Housing Assistance – Housing and Urban Development programs (HUD),
- Supplemental Nutrition and Assistance Program (SNAP),
- Free Application for Federal Student Aid (FAFSA),
- Medicare Parts A, B, C, or D, Medicare Savings Programs, and Extra Help, or
- Any type of Medicaid benefit including Medicaid waiver services.
Learn more:
Five Things to Know about ABLE Accounts
Roadmap to ABLE Account Enrollment
ABLE Account FAQs
ABLE Account Decision Guides