Search to Find Your Best Fit

No matter where you reside, you can open an ABLE account in any state that accepts outside residents into their program. And we can help you find the right fit.

Complete the form below to search for various program features within all state ABLE programs.

For further detail about these programs please refer to their designated state page and individual websites.


Please select all features of an ABLE program that are important to you:







Alabama /state-review/alabama/ Enable Savings Plan Alabama https://al.enablesavings.com/ Open for Enrollment Nebraska State Treasurer Yes 15,000 12140 First National Bank of Omaha 5 First National Bank of Omaha; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” Yes No Yes No No

SB 226

SB 226 Legislative Summary

Yes Yes Yes 25 Yes The current account maintenance fee is $45 annually, which is charged $11.25 quarterly per account, not per investment option. No Yes There is a debit card at no additional cost to be used for assets in the Checking Investment Option. Yes 0 The current account maintenance fee is $45 annually, which is charged $11.25 quarterly per account, not per investment option. $2 per month waived if minimum balance of $150 or electronic statement delivery 0 $5.00 to $5.50 on $1,000 per year 0 0 0

The State of Alabama, through the ABLE Program Board, contracted with the Nebraska State Treasurer to create Enable Savings Plan Alabama as part of the Trust.

Alaska /state-review/alaska/ Alaska ABLE Program https://savewithable.com/ak/home.html Open for Enrollment Ascensus Yes 15,000 15180 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option“Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” Yes No Yes No No

Legislative Summary SB 104

Legislative Summary HB 188

Yes Yes Yes 25 Yes 40 No Yes A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. Yes 0 40 $6 for 50 checks $0 or $1.75 to check balance; $2.75 for non participating ATM $3.40 to $3.70 on $1,000 per year. 0 $5 $0 or $1.75 to check balance; $2.75 for non participating ATM

HB 188 passed the House on 4/9/16, then Senate on 4/16/16. It was signed into law 8/8/16. SB 104 was referred to the Senate Finance Committee on 3/23/16.

Arizona /state-review/arizona/ AZ ABLE https://az-able.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Yes No Yes No No

HB2388 is the legislation that establishes the Arizona ABLE Act program, AZ ABLE
https://www.azleg.gov/legtext/52leg/2r/bills/hb2388p.htm

Yes Yes Yes 1 Yes 42 No Yes 0 Yes 0 42 0 0 Based on a $1000 account balance: $1.90 to $3.30 annually. 0 $10 annually (print/mail); $0 electronic 0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Arizona residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

Arkansas /state-review/arkansas/ AR ABLE https://savewithable.com/ar/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” Yes No Yes Yes Yes, subject to federal and state probate laws. Yes

HB 1239

Legislative Summary HB 1239

HB 1076: To amend the Achieving a Better Life Experience (ABLE) Act; to authorize the transfer of ABLE account assets following the death of a designated beneficiary; to prohibit the state from seeking payment from the ABLE account.

HB 1075: To provide for an income tax deduction for contributions to a disability savings account.

Yes Yes No Yes 60 No Yes A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. Yes 0 $60 $6 fee for 50 checks 0 $3.4 - $3.7 on $1,000 investment per year 0 Paper statements $13.75 quarterly if a Arkansas resident. $15 quarterly if not a resident. 0
California /state-review/california/ CalABLE https://calable.ca.gov/ Open for Enrollment TIAA-CREF Tuition Financing, Inc. Yes 15,000 12140 TIAA Bank 4 TIAA-CREF; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” No No Yes Yes Subject to federal and state probate laws. Medi-Cal will not file a claim directly on the ABLE account. However, the state may recover on assets that have transferred from an ABLE account to an estate. In these cases, Medi-Cal will recover only if ALL of the following apply: 1) The deceased Medi-Cal member was aged 55 or older; 2) The member leaves an estate that is subject to formal probate. Under current law, only estates that exceed $150,000 (on Jan 1, 2020 this increases to $166,250) in value are subject to formal probate; 3) The member received nursing facility services or home and community based services, including related hospital and prescription drug services; 4) The member is not survived by a spouse of registered domestic partner, child under 21 years of age, or disabled child of any age. Recipients of the estate may also apply for a hardship waiver against recovery on all or part of the estate. Recovery is limited to the amount of payments made for the services listed above (including managed care premiums) or the value of the estate, whichever is less. California Welfare and Institutions Code 4885(b), along with Center for Medicaid and Medicaid Services SMD# 17-002, “RE: Implications of the ABLE Act for State Medicaid Programs.”  Direction to states on recovery of ABLE accounts can be found on page 7. No

SB 324; AB 449; AB 1553; SB 218; AB 384; AB 688

Yes Yes Yes 25 Yes $37 No Fees apply to the prepaid card, for paper statements, withdrawing checks, bounced checks or additional services. No The fee for the pre-paid card is $1.25 per month. Yes 0 $37 $5 NA $0 to $5.40 on $1,000 investment per year. 0 $10 $0 for ACH

CalABLE will have an Ambassador program in the near future. CalABLE launched a financial literacy program with National Disability Institute. CalABLE funds have been exempted from monetary judgements via state law.

Contributions made by check or ACH will not
be available for withdrawal for 10 Business
Days.
There will be a hold of 30 days on withdrawal
requests when there is a change to the address
in the Account record or a change of Legal
Authorized Representative.

For ACH withdrawals, you will typically receive
the funds within three to five Business Days
after CalABLE processes the request. For a
check withdrawal request, you will typically
receive the check within seven to ten Business
Days after CalABLE processes the request.
However, those time frames are not
guaranteed, and various circumstances may
cause your receipt of the funds or the check to
be delayed.

Colorado /state-review/colorado/ Colorado ABLE https://www.coloradoable.org/ Open for Enrollment Colorado Department of Higher Education Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

HB 1359

Yes Yes No Yes $2/month; waived if an average monthly balance of at least $250 is maintained. No Yes $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third Bank. Yes 0 $2/month; waived if an average monthly balance of at least $250 is maintained. $6/order (50 checks). If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. $2 per month $3.40 to $3.70 on $1,000 per year. 0 0 0

Yes. Colorado is the only state that has partnered with Colorado Fund for Persons with Disabilities (CFPD). They are a non-profit that manages pooled trusts in Colorado. CFPD is offering enrollment and account management services to individuals qualified to open ABLE, or 529(A), savings accounts. Enrollment Assistance by CFPD is FREE to all.

ATM fees: $2.75 for U.S. transactions
$5.00 for International transactions
Other ATM network owners may also assess a usage fee.
No charge to use partner network ATMs
International POS/ATM Transaction Fee: 3% of transaction amount
Currency Conversion Fee: 0.20% of transaction amount

Delaware /state-review/delaware/ DEPENDABLE https://savewithable.com/de/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” No No Yes No No Yes Yes No Yes The current account maintenance fee is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly. No No Yes 0 Each Account is charged an account maintenance fee of $15 each quarter. This fee can be discounted by $3.75 if you select email delivery for statements and confirmations. The fee can be discounted by another $1.25 if the Account Owner or Authorized Individual is a resident of Delaware. $0; check book fee of $6 0 $3.40 to $3.70 on $1,000 investment per year. 0 0 0
District of Columbia /state-review/district-columbia/ DC ABLE https://savewithable.com/dc/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

Legislative Summary

B21-0252-Introduction

Yes Yes No Yes $60/year in quarterly installments of $15. If you elect electronic delivery notification for statements and confirmations, your Quarterly Account Maintenance fee will be discounted by $3.75 No No Yes 0 $60/year in quarterly installments of $15. If you elect electronic delivery notification for statements and confirmations, your Quarterly Account Maintenance fee will be discounted by $3.75 If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. $15.00 per quarter. 0 Rolled into maintenance fee. ATM withdrawal: to find a fee-free Fifth Third Bank or partner network ATM, use the ATM Locator at www.53.com.

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, the Member State receives $1.25 and the Program Manager receives
$13.75 for ongoing Account maintenance and administration. If you elect electronic delivery
notification for statements and confirmations, your Quarterly Account Maintenance Fee will be
discounted by $3.75. You can easily sign up for electronic delivery during the enrollment process or
by visiting the Member Plan website at dc.savewithable.com and logging into your Account. In
addition, if the Account Owner or Authorized Individual is a resident of the District of Columbia, you
are eligible for an additional quarterly discount of $1.25. The Quarterly Account Maintenance Fee will
be charged after an Account has been opened for at least 90 days.

Florida /state-review/florida/ ABLE United https://www.ableunited.com/ Open for Enrollment Florida Prepaid College Board No 15,000 12140 8 Vanguard Group, Inc, Florida PRIME, and BlackRock, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” No No Yes Yes Yes, subject to federal and state probate laws. No Yes Yes No No No No 0

ABLE United offers an FDIC option. There are no investment fees for the ABLE United FDIC option. Individuals can set up savings goal, integrated ABLE to Work contributions, and unique gifting page to allow others to contribute to your account.

ABLE United is the State of Florida’s qualified able program. The Program is administered by Florida ABLE, Inc. a direct-support organization of the Florida Prepaid College Board (Board).The Board, established in 1987, oversees approximately $10 billion in collective investments in the Stanley G.Tate Florida Prepaid College Program and the Florida 529 Savings Program. The mission of ABLE United is to encourage and assist the saving of private funds to help persons with disabilities cover costs that support their health, independence and quality of life.

Georgia /state-review/georgia/ Georgia STABLE https://www.georgiastable.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

O.C.G.A §§ 30-9-1 through 30-9-16 establish the rules for Georgia STABLE

Yes Yes Yes The current account maintenance fee is $42 annually, payable at $3.50 monthly. No Yes $0 Yes 0 The current account maintenance fee is $42 annually, payable at $3.50 monthly. 0 0 $1.90 - $3.40 on $1,000 investment per year. 0 $10 annually (print/mail); $0 electronic 0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Georgia residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

O.C.G.A §§ 30-9-1 through 30-9-16 establish the rules for Georgia STABLE.

Illinois /state-review/illinois/ Illinois ABLE https://savewithable.com/il/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes Yes Subject to federal and state probate laws. Yes

The Illinois ABLE Act is part of the Illinois State Treasurer Act (15 ILCS 505/16.6)

Yes Yes Yes 25 Yes The quarterly account maintenance fee of $15.00 for paper statement delivery ($60 annually) is reduced to $11.25 quarterly ($45 annually) for accounts that receive electronic statements. No Yes A Fifth Third Bank checking account option is available with a real-time debit card and no overdraft fees. The $2.00 monthly fee will be waived for accounts with an average daily balance of greater than $250 or if enrolled in electronic statement delivery. Yes 0 The quarterly account maintenance fee of $15.00 for paper statement delivery ($60 annually) is reduced to $11.25 quarterly ($45 annually) for accounts that receive electronic statements. A Fifth Third Bank checking account option is available with a real-time debit card and no overdraft fees. The $2.00 monthly fee will be waived for accounts with an average daily balance of greater than $250 or if enrolled in electronic statement delivery. A Fifth Third Bank checking account option is available with a real-time debit card and no overdraft fees. The $2.00 monthly fee will be waived for accounts with an average daily balance of greater than $250 or if enrolled in electronic statement delivery. 0 There is a separate account maintenance fee for the Checking Option, which can be waived if you choose electronic delivery or maintain an average monthly balance of $250 or more in the Checking Option during your monthly statement cycle. 0

Illinois is a member of the National ABLE Alliance, a bi-partisan consortium of states. Illinois ABLE account owners benefit from powerful oversight, high-quality plan features and low-cost, strong-performing investments.  Account owners have access to an exclusive, fully integrated Fifth Third, FDIC-insured checking account option, which is available with a real-time debit card and check-writing capability.  The Illinois ABLE plan is available to both in-state and out-of-state residents, and Illinois taxpayers who contribute to Illinois ABLE accounts can take a deduction from state income taxes.  Anyone can contribute to an Illinois ABLE account, and the easy-to-use Ugift feature makes gift contributions easy.

Indiana /state-review/indiana/ INvestABLE Indiana https://savewithable.com/in/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

SB 11SB 184HB 1407

Legislative Summary SB 11

Legislative Summary SB 184

Legislative Summary HB 1407

Yes Yes No Yes The current account maintenance fee is $45 annually, payable at $11.25 quarterly if you choose electronic delivery for statements. With paper statements, the fee is $60 annually, payable at $15 quarterly. No Yes A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third Bank. Yes 0 The current account maintenance fee is $45 annually, payable at $11.25 quarterly if you choose electronic delivery for statements. With paper statements, the fee is $60 annually, payable at $15 quarterly. If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. 0 $15 quarterly 0 Rolled into maintenance fee. You may request a withdrawal from the Member Plan which can be sent by check or ACH to the Account Owner. You may also access funds invested in the Checking Option by using your debit card, by making an ATM withdrawal or by writing a check. To find a fee-free Fifth Third Bank or partner network ATM, use the ATM Locator at www.53.com

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, the Member State Administrator receives $1.25 and the Program Manager
receives $13.75 for ongoing Account maintenance and administration. If you elect electronic delivery
notification for statements and confirmations, your Quarterly Account Maintenance Fee will be
discounted by $3.75. You can easily sign up for electronic delivery during the enrollment process
or by visiting our website at IN.savewithable.com and logging into your Account. The Quarterly
Account Maintenance Fee will be charged after an Account has been opened for at least 90 days.

SB 11 passed the Senate on 2/18/2016, the House on 3/9/2016, and was signed into law on 3/21/2016. SB 184 was introduced and referred to committee on 1/6/16. HB 1407 was introduced and referred to the Committee on Ways and Means on 2/17/16.

Iowa /state-review/iowa/ IAble https://www.iable.gov/ Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No Yes Yes Yes Yes 25 Yes The current account maintenance fee is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly. No Yes A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. Yes 0 The current account maintenance fee is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly. $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery $3.40 to $3.70 on $1,000 investment per year. 0 Rolled into maintenance fee 0

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, IAble receives $1.25 and the Program Manager receives $13.75 for
ongoing Account maintenance and administration. If you elect electronic delivery notification for
statements and confirmations, your Quarterly Account Maintenance Fee will be discounted by $3.75.
You can easily sign up for electronic delivery during the enrollment process or by visiting IAble.gov
and logging into your Account. The Quarterly Account Maintenance Fee will be charged after an
Account has been opened for at least 90 days.

Residents of Iowa can deduct up to $3,319 for 2018 (adjusted annually for inflation) of
their contributions including Rollovers from a Non-Iowa 529A plan, in determining their net income
for Iowa income tax purposes.

Kansas /state-review/kansas/ Kansas ABLE Savings Plan https://savewithable.com/ks/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes Yes Subject to federal and state probate laws. Yes

HB 2216 

Legislative Summary

Yes Yes No Yes The current account maintenance fee is $45 annually ($40 for Kansas Account Owners) payable at $11.25 quarterly for non-residents and $10 quarterly for Kansas residents. With paper statements, the annual fee is $60, payable at $15 quarterly No Yes A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. Yes 0 The current account maintenance fee is $45 annually ($40 for Kansas Account Owners) payable at $11.25 quarterly for non-residents and $10 quarterly for Kansas residents. With paper statements, the annual fee is $60, payable at $15 quarterly $6 fee for 50 checks A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. $3.40 to $3.70 investment fee per year. 0 Rolled into maintenance fee. $2.50 for out of network ATM
Kentucky /state-review/kentucky/ STABLE Kentucky https://www.stablekentucky.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 5 Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

Kentucky Revised Statutes § 205.200, KRS 41.415 & KRS 164A.260 establishes the rules for STABLE Kentucky.

Yes Yes Yes $42 annually, payable at $3.50 monthly. No Yes No added cost Yes 0 42 0 0 $1.90 - $3.40 on $1,000 investment per year. 0 $10 annually (print/mail); $0 electronic 0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Kentucky residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

Kentucky Revised Statutes § 205.200 establishes the rules for STABLE Kentucky.

Louisiana /state-review/louisiana/ Louisiana ABLE Account Program https://www.able.osfa.la.gov/ Open for Enrollment Louisiana Office of Student Financial Assistance (LAOSFA) and Louisiana Tuition Trust Authority (LATTA) No 15,000 12140 7 Vanguard Inc.; “ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” No No Yes No No

HOUSE BILL NO. 598 ACT NO. 411
HOUSE BILL NO. 833 ACT NO. 93

HOUSE BILL 598 Legislative Summary

HOUSE BILL 833 Legislative Summary

 

No Yes No Yes Disbursements must be $200 or greater, unless the purpose it to close the account and the account is valued at less than $200. No Yes 0 0 0 0 $160 on $1,000 per year. 0 0 0

The ABLE Act was passed on 5/16/14 as Act 93 (HB 833), prior to the federal passage of the ABLE Act in December 2014. HB 598 was signed into law as Act 411 on 7/1/15 to amend Act 93.

Maryland /state-review/maryland/ Maryland ABLE https://www.marylandable.org Open for Enrollment to residents of any U.S. state. Maryland 529 Yes 15,000 12140 BNY Mellon 4 Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes Yes Subject to federal and state probate laws. "Yes. The provisions of Maryland HB 782/SB 550 section 18–19C–10.This section reads as follows:18–19C–10. 22 (a) Unless prohibited by federal law, on the death of a designated beneficiary, money and assets in an able account may be 24 transferred to: (1) The estate of the designated beneficiary; or (2) An able account for another eligible individual specified by the designated beneficiary or the estate of the designated beneficiary. (b) Unless required by federal law, an agency or instrumentality of the state may not seek payment under § 529a(f) of the internal revenue code from an able account or its proceeds for any amount of medical assistance paid for the designated beneficiary. Section 2. And be it further enacted, that this act shall take effect June 1, 2018. " Yes

House Bill 431

Yes Yes Yes 10 Yes The current account maintenance fee is $35 per year pro rated based on time of enrollment and payable at $8.75 per quarter, deducted directly from the ABLE account. No Yes $1.25 a month Yes 50 35 The Program does not have a Checking account option, however paper checks can be requested, if needed for an additional cost. The Debit Card option provides access. $1.25 $6.50 to $7.39 on $1,000 investment per year. 0 Statements are available at no cost on line 24/7, 365 days per year. To receive delivery of paper statements there is an annual $10 charge. 0

Maryland ABLE has included in its rollover and gifting process a step for approval and limiting by the Beneficiary or ALR to ensure that beneficiaries that have savings goals in order to maintain benefits, based on assets outside of the ABLE account, can be completed throughout the calendar year.

Up to a maximum of 7 business day hold after a contribution has been received and accepted by the Program for funds to be available to withdrawal.

Massachusetts /state-review/massachusetts/ The Attainable Savings Plan https://www.fidelity.com/able/attainable/overview Open for Enrollment Fidelity mefa - https://www.mefa.org/products/attainable/ Yes 15,000 12140 NA 8 Fidelity Investments; “ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

PartI/TitleII/Chapter15C/Section29

No No No 25 No No Yes 0 "Open a Fidelity® Cash Management Account and use a debit card, fee-free ATMs, BillPay, and free check writing to manage your disability-related expenses." Yes 0 0 0 0 $5.70 to $9.30 on $1,000 for one year 0 0

By opening a Fidelity Cash Management Account once your Attainable account has been funded. Use your Fidelity Cash Management Account features like a debit card, fee-free ATMs, and free check writing to manage your disability-related expenses.
“Attainable Savings Plan features: An Attainable account is an easy and accessible way to invest and save for qualified disability expenses.
– Make annual contributions up to $15,000 for 2019 (up to $27,140 per year for a designated beneficiary who is employed and has employment income)*
– Choose from a range of professionally managed investment portfolios
– Use your account to save and pay for qualified disability expenses over the short and long term”
“Get help saving more: Earnings will grow
tax deferred and are federal income tax free
when used for qualified disability expenses.
Keep disability benefits: Money in the
account does not impact Medicaid benefits,
and balances below $100,000 do not impact
SSI benefits.
Plan for the future: Save for disabilityrelated expenses, and access your money whenever you need it. ”

HB 4047 became Chapter 226 of the Acts of 2014. HD 3753 was introduced to revise the pre-federal legislation and as of 1/21/16 is in the House Ways and Means committee.

Note that a debit card option is ONLY available to Attainable Plan customers who also open a Fidelity Cash Management Account. Attainable plan customers can open a Fidelity Cash Management Account and transfer money easily from their Attainable account to their Fidelity Cash Management Account. The Fidelity Cash Management Account provides a no annual fee debit card with ATM-fee reimbursement, free check writing, free Fidelity Billpay, the option to open as a joint account, and the option to receive text alerts on Debit Card usage.

 

Michigan /state-review/michigan/ MiABLE https://www.miable.org/ Open for Enrollment TSA Consulting Group, Inc. Yes 15,000 12140 FPS Trust 6 Purdent; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No Medicaid payback is not specifically waived, however Medicaid has never requested payback. Yes

Achieve a Better Life Experience (ABLE) Act S.1872/H.R.3423

Yes Yes Yes 25 Yes $45 yearly, $11.25 quarterly No Yes Replacement fee only Yes 0 $45 per year; $11.25 quarterly $10 0 $1.60 to $2.70 on $1,000 investment per year 0 0 0

MiABLE has one of the highest aggregate limits ($500 K). We offer a Public Contribution site (crowd funding). We offer a relatively high State tax deduction.

Deposits subject to 5 Business Day Hold.
Minimum deposit: $25, $15 if enrolled in re-occurring payments

Minnesota /state-review/minnesota/ Minnesota ABLE Plan https://savewithable.com/mn/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, Vanguard, and for high-yield savings Sallie Mae; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

ABLE Act included in omnibus Health and Human Services appropriations bill.
SF 1458 (article 7, section 44)

Legislative Summary

Yes Yes No Yes The current account maintenance fee is $45 annually ($40 for Minnesota Account Owners) payable at $11.25 quarterly for non-residents and $10 quarterly for Minnesota residents. With paper statements, the annual fee is $60, payable at $15 quarterly. No No Yes 0 The current account maintenance fee is $45 annually ($40 for Minnesota Account Owners) payable at $11.25 quarterly for non-residents and $10 quarterly for Minnesota residents. With paper statements, the annual fee is $60, payable at $15 quarterly. monthly service charge of $2.00 as set forth in Appendix B of the Plan Disclosure Statement. This fee is waived if your Checking Option has an average daily balance over $250 or if you are enrolled in electronic statement delivery at www.53.com. NA $15.00 per quarter. 0 Rolled into maintenance fee. ATM fee-free Fifth Third Bank or partner network ATM, use the ATM Locator at www.53.com

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, the Member State receives $1.25 and the Program Manager receives
$13.75 for ongoing Account maintenance and administration. If you elect electronic delivery
notification for statements and confirmations, your Quarterly Account Maintenance Fee will be
discounted by $3.75. You can easily sign up for electronic delivery during the enrollment process
or by visiting the Member Plan website at mn.savewithable.com and logging into your Account. In
addition, if the Account Owner or Authorized Individual is a resident of Minnesota, you are eligible
for an additional quarterly discount of $1.25. The Quarterly Account Maintenance Fee will be charged
after an Account has been opened for at least 90 days.

Mississippi /state-review/mississippi/ Mississippi ABLE Program https://savewithable.com/ms/home.html Open for Enrollment Mississippi Department of Rehabilitation Services Yes 15,000 12140 Fifth Third Bank 7 Ascensus; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

Mississippi Code Section 43-28-1 et. seq.

Yes Yes No Yes $3.75 per month. This monthly fee may decrease as enrollment in the program increases. Additional fees may apply. No Yes There are no fees associated with the Debit card. Yes 0 $3.75 per month. This monthly fee may decrease as enrollment in the program increases. Additional fees may apply. If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has average daily balance over $250 or if you are enrolled in electronic statement delivery. 0 $15.00 per quarter. 0 Rolled into maintenance fee. 0

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, the Member State receives $1.25 and the Program Manager receives $13.75
for ongoing Account maintenance and administration. If you elect electronic delivery notification for
statements and confirmations, your Quarterly Account Maintenance Fee will be discounted by $3.75.
You can easily sign up for electronic delivery during the enrollment process or by visiting the Member
Plan website at MS.savewithable.com and logging into your Account. In addition, if the Account Owner
or Authorized Individual is a resident of Mississippi, you are eligible for an additional quarterly discount
of $1.25. The Quarterly Account Maintenance Fee will be charged after an Account has been opened
for at least 90 days.

Missouri /state-review/missouri/ MO ABLE https://www.moable.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No Yes

Missouri Revised Statutes §§ 209.605-209.645 establishes the rules for MO ABLE

Yes Yes Yes The current account maintenance fee is $42 per year payable at $3.50 per month. No Yes 0 Yes 0 The current account maintenance fee is $42 per year payable at $3.50 per month. 0 0 $1.90 to $3.30 on $1,000 investment per year. 0 $10 annually (print/mail); $0 electronic statement No ATM use

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Missouri residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

Missouri Revised Statutes §§ 209.605-209.645 establishes the rules for MO ABLE.

Montana /state-review/montana/ Montana ABLE https://savewithable.com/mt/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, Vanguard and for high-yield savings Sallie Mae; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No Yes

SB 0399

SB 399 Legislative Summary

Yes Yes No Yes Each account is charged a Quarterly Account Maintenance fee of $15. If you elect electronic delivery notification for statements and confirmations, your Quarterly Account Maintenance fee will be discounted by $3.75. No Yes If you are invested in the Checking Option, you will be charged a monthly service charge of $2.00. The fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. The FDIC-insured checking option is from Fifth Third Bank. Yes 0 Each account is charged a Quarterly Account Maintenance fee of $15. If you elect electronic delivery notification for statements and confirmations, your Quarterly Account Maintenance fee will be discounted by $3.75. If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. $0 $15 per quarter 0 Rolled into maintenance fee. $0 if using a member ATM; to find a fee-free Fifth Third Bank or partner network ATM, use the ATM Locator at www.53.com. I
Nebraska /state-review/nebraska/ Enable Savings Plan https://www.enablesavings.com/ Open for Enrollment First National Bank of Omaha Yes 15,000 12140 First National Bank of Omaha 4 The Nebraska Investment Council; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No Yes Yes Yes Yes 25 Yes The current account maintenance fee is $45 annually, payable at $11.25 quarterly. No Yes There is a debit card at no additional cost to be used for assets in checking. Yes 0 The current account maintenance fee is $45 annually, payable at $11.25 quarterly. $2.00 per month unless: Enroll in electronic statement delivery. To enroll in electronic statement delivery for the Checking Investment Option, once you receive your debit card, visit www.53.com, register your account, and click on Documents to select your delivery preferences. ‰ Maintain an average monthly Checking Investment Option balance of at least $250. $5.00 to $5.50 on $1,000 per calendar year. 0 Rolled into maintenance fee. $0 – No Charge to use Fifth Third ATMs or partner network ATMs, as found on Branch & ATM locator on 53.com

Your account must maintain or have a minimum balance
of $50.

Nevada /state-review/nevada/ ABLE Nevada https://savewithable.com/nv/home/contact-us.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No Yes Yes No Yes For Nevada residents: $10 per quarterly or $13.75 for paper statements quarterly at $55.00 per year. For non-Nevada residents: account maintenance fee is $45 annually, payable at $11.25 quarterly for electronic delivery of statements. For paper delivery of statements, the fee is $60 annually, payable at $15 quarterly. No Yes A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. Yes 0 The current account maintenance fee is $45 annually, payable at $11.25 quarterly for electronic delivery of statements. For paper delivery of statements, the fee is $60 annually, payable at $15 quarterly. $6 fee for 50 checks A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. $3.40 to $3.70 on $1,000 investment per year. 0 Included in maintenance fee. $2.75 at non-partner ATM
New Hampshire /state-review/new-hampshire/ STABLE NH https://www.stablenh.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

New Hampshire RSA 195-K establishes the rules for STABLE NH

Yes Yes Yes The current account maintenance fee is $42 per year payable at $3.50 per month No Yes There are no added costs for the STABLE Card, a loadable prepaid debit card. Yes 0 he current account maintenance fee is $42 per year payable at $3.50 per month 0 0 Based on a $1,000 account balance: $1.90 to $3.30 per year. 0 $10 annually (print/mail); $0 electronic 0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, New Hampshire residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

New Jersey /state-review/new-jersey/ NJ ABLE https://savewithable.com/nj/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

A3959 1R

A3959 Legislative Summary

Yes Yes No 25 Yes The current account maintenance fee for electronic statements is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly. No Yes 0 Yes 0 The current account maintenance fee for electronic statements is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly. $6 fee for 50 checks A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. $3.40 to $3.70 for $1,000 investment per year. 0 included in annual maintenance fee. A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.
New Mexico /state-review/new-mexico/ ABLE New Mexico https://ablenewmexico.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

New Mexico HB61 established the rules for ABLE New Mexico

Yes Yes Yes The current account maintenance fee is $42 annually, payable at $3.50 monthly. No Yes There are no added costs for the STABLE Card, a loadable prepaid debit card. Yes 0 The current account maintenance fee is $42 annually, payable at $3.50 monthly. 0 0 Based on a $1000 account balance: $1.90 to $3.30 per year. 0 $10 annually (print/mail); $0 electronic 0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, New Mexico residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

New Mexico HB61 established the rules for ABLE New Mexico.

New York /state-review/new-york/ NY ABLE https://www.mynyable.org/ Open for Enrollment Ascensus No 15,000 12140 Fifth Third Bank 4 Ascenus Broker Dealer Services, Inc. is the investment manager. NY ABLE offers Vanguard investments and portfolios which include a Sallie Mae Savings Account; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

SB 4472S 6397

Legislative Summary SB 4472

Legislative Summary S 6397

If your state has not yet passed ABLE legislation allowing for the development of an ABLE program, we encourage you to contact your state legislator to inform them about the program’s benefits. It is important that your state legislator understands that passing ABLE legislation allows individuals with disabilities in their state to save for their future, a near impossible task prior to this law. For more information on how to find and contact your state legislator, please click on the link below.

Find Your New York Legislator

Yes Yes Yes There is a $45 annual fee payable at $11.25 quarterly. If paper statements are selected, the fee increases to $13.75 per quarter ($55 annually). No Yes There is no fee charged to obtain the NY ABLE debit card. There is a monthly $2 maintenance fee for the Checking Option that can be waived if the average daily balance is over $250 or by electing electronic statements at Fifth Third Bank. Yes 0 There is a $45 annual fee payable at $11.25 quarterly. If paper statements are selected, the fee increases to $13.75 per quarter ($55 annually). Accounts invested in the Checking Option will be charged a $2 monthly service charge. The fee is waived for average daily balances over $250 or Accounts enrolled in electronic statement delivery directly with Fifth Third Bank. There is no fee charged to obtain the NY ABLE debit card. The annual investment fee is $4.00 on a balance of $1,000. 0 If you elect paper delivery for statements and confirmations, your Quarterly Account Maintenance Fee will be $13.75. $0

NY ABLE is offered by the Office of the New York State Comptroller. NY ABLE provides an easy to use platform with diversified investment options, including a checking and debit option to allow ease of use, and outstanding customer service. Contributions and withdrawals can be made in a variety of ways, making NY ABLE versatile and accessible to all eligible New Yorkers.

S 6397 will amend SB 4472 and some details regarding New York ABLE account ownership, contributions, and distributions. The bill was amended on 2/2/16 during its third reading.

North Carolina /state-review/north-carolina/ NC ABLE https://savewithable.com/nc/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, Vanguard, and for high-yield savings Sallie Mae; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

HB 556

HB 556 Legislative Summary

Yes Yes No Yes The current account maintenance fee is $45 annually payable at $11.25 quarterly With paper statements, the annual fee is $60, payable at $15 quarterly No Yes A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average monthly balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. Yes 0 The current account maintenance fee is $45 annually payable at $11.25 quarterly With paper statements, the annual fee is $60, payable at $15 quarterly. $6 fee for 50 checks 0 $3.40 to $3.80 on $1,000 investment per year. 0 Included in maintenance fee 0
Ohio /state-review/ohio/ STABLE Account https://www.stableaccount.com/ Open for Enrollment Intuition ABLE Solutions, LLC Yes 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No Yes

Ohio House Bill 155 implements the federal ABLE Act in Ohio

Yes Yes Yes 1 Yes $30.00 per year for Ohio residents and $42 per year for non-Ohio residents No Yes There are no added costs for the STABLE Card, a loadable prepaid debit card. Yes 0 The current account maintenance fee is $30 per year payable at $2.50 per month for Ohio Account Owners and $42 per year payable at $3.50 per month for non-Ohio account owners. 0 0 Based on a $1000 account balance: $1.90 to $3.30 for Ohio residents and $4.50 to $5.90 for out of state residents 0 $10 annually (print/mail); $0 electronic 0

The program features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

Oklahoma /state-review/oklahoma/ Oklahoma STABLE https://okstable.org/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

Oklahoma HB 2821 establishes the rules for Oklahoma STABLE

Yes Yes Yes The current account maintenance fee is $42 annually payable at $3.50 monthly. No Yes 0 Yes 0 The current account maintenance fee is $42 annually payable at $3.50 monthly. 0 0 $1.90 - $3.40 on $1,000 investment per year. 0 $10 annually (print/mail); $0 electronic 0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Oklahoma residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

Additional Information: Oklahoma HB 2821 establishes the rules for Oklahoma STABLE.

Oregon /state-review/oregon-able-for-all-savings-plan/ ABLE for ALL Savings Plan https://ableforall.com/ Open for Enrollment Sumday, a division of BNY Mellon; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes 15,000 12140 Sumday, a division of BNY Mellon 3 Vanguard and DFA Yes No Yes Yes Subject to federal and state probate laws. "In the event of the death of a beneficiary, the funds from their ABLE account can be used by his or her estate to repay any outstanding eligible expenses or funeral and burial costs. Remaining funds will be transferred to the estate of the beneficiary.  Due to the passage of Senate Bill 1027 during the 2017 legislative session, Medicaid in Oregon is restricted from filing a claim for a payback on funds that were previously in an ABLE account of a deceased beneficiary. Medicaid Payback is governed at the federal level and, out of an abundance of caution, it is suggested to assume funds could still be recovered by Medicaid." https://oregonablesavings.com/faqs/2016/11/3/what-happens-to-my-account-if-i-pass-away-is-there-a-medicaid-payback?rq=medicaid Yes

Oregon Senate Bill 777 implemented the federal ABLE Act in Oregon

Yes Yes Yes 10 Yes $35.00 per year No Yes $1.25 a month Yes 50 $35 $2.50 per check $1.25 $3.00 to $3.70 on $1,000 investment per year. 0 10 annually no

Our program is unique because it was created with the support of people with disabilities and those working with the disability community. We collaborate with nonprofit organizations and government agencies that focus on disability issues and champion our cause. We established ways for people to get in-person assistance with in-state partners such as the Aging and Disability Resource Centers in case they need additional support. Our support team goes above and beyond with intensive training to help empower beneficiaries with information provided in a way that is most useful for that person. The Oregon ABLE debit card was designed with accessibility in mind having special features to improve ease of use for individuals with disabilities and allows beneficiaries a simple, efficient way to use up to $15,000 at a time for Qualified Disability Expenses. We’re also the first ABLE program to partner with Sumday, a program manager that offers a fun, simple and intuitive online platform that helps people manage their ABLE accounts to reach their dreams.

Everything Oregon ABLE does is focused on empowering people with disabilities to live the lives they desire, whatever that may look like. They always talk directly to the person with a disability, not about them to their support team. This even comes through by designing features and options that will meet everyone’s needs and giving account owners the freedom to choose what works best for them.

10-day hold before deposits made by the account owner or authorized legal representative. 20-day hold if the deposits were made by someone else.

Oregon – ABLE Savings Plan /state-review/oregon/ Oregon ABLE Savings Plan https://oregonablesavings.com/ Open for Enrollment Sumday, a division of BNY Mellon No 15,000 12140 Sumday, a division of BNY Mellon 4 Vanguard and DFA; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes Yes In the event of the death of a beneficiary, the funds from their ABLE account can be used by his or her estate to repay any outstanding eligible expenses or funeral and burial costs. Remaining funds will be transferred to the estate of the beneficiary.  Due to the passage of Senate Bill 1027 during the 2017 legislative session, Medicaid in Oregon is restricted from filing a claim for a payback on funds that were previously in an ABLE account of a deceased beneficiary. Medicaid Payback is governed at the federal level and, out of an abundance of caution, it is suggested to assume funds could still be recovered by Medicaid.

Oregon Senate Bill 777 implemented the federal ABLE Act in Oregon.

Senate Bill 777

 

Yes Yes Yes 35 No Yes $1.25 per month Yes 50 35 2.50 1.25 Between .3% to .37% 0 $10 annually No fee for withdrawals
Pennsylvania /state-review/pennsylvania/ PA ABLE Savings Program https://www.paable.gov/ Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 7 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes Yes Subject to federal and state probate laws. Yes

HB 1319SB 879

HB 1319 Legislative Summary

SB 879 Legislative Summary

Yes Yes Yes 25 Yes There is an annual account maintenance fee. That fee is $60 which is discounted to $45 for those Account Owners who receive specified Account information electronically. The fee is taken quarterly ($15 or $11.25). No Yes 0 Yes 0 There is an annual account maintenance fee. That fee is $60 which is discounted to $45 for those Account Owners who receive specified Account information electronically. The fee is taken quarterly ($15 or $11.25). $6 fee for 50 checks 0 $3.40 - $3.80 on $1,000 investment per year 0 $15 per quarter for paper statement; $11.25 for electronic statement fees are included in the quarterly maintenance fee 0
Rhode Island /state-review/rhode-island/ RI's ABLE https://savewithable.com/ri/home.html Open for Enrollment Ascensus Yes 15,000 12140 Fifth Third Bank 6 BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” Yes No Yes No No

HB 5564; SB 465

HB 5564 Legislative Summary

SB 465 Legislative Summary

Yes Yes No Yes $40 annually, payable at $15 per quarter No Yes A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. Yes 0 $40 annually, payable at $10 quarterly $6 fee for 50 checks A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank. $34 - $38 on $1,000 investment per year 0 $13.75 quarterly for RI residents; non-residents $15.00 for quarterly for paper statements; Electronic statements for residents $10; non-residents $11.25 per quarter 0
South Carolina /state-review/south-carolina/ Palmetto ABLE Savings Program (SC) https://palmettoable.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No Yes

South Carolina HB3768 established the Palmetto ABLE Savings Program

Yes Yes Yes The current account maintenance fee is $42 per year payable at $3.50 per month No Yes There are no added costs for the STABLE Card, a loadable prepaid debit card. Yes 0 The current account maintenance fee is $42 per year payable at $3.50 per month 0 $0 $1.90 - $3.40 on $1,000 investment per year. 0 $10 annually (print/mail); $0 electronic 0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, South Carolina residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

Additional Information: South Carolina HB3768 established the South Carolina ABLE Savings Program.

Tennessee /state-review/tennessee/ ABLE TN http://www.abletn.gov/ Open for Enrollment State of Tennessee Department of Treasury No 15,000 12140 First TN Bank 14 The Tennessee Treasury Department with offerings from Vanguard, PRIMECAP, Dimensional Fund Advisors and First Tennessee Bank“Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” No No Yes No No Yes Yes No No No Yes 0 $0 $0 $0 - $62 on $1,000 investment per year 0 $0 $0

ABLE TN offers 14 investment choices. The program is administered by the Tennessee Treasury Department which is responsible for managing the investment of roughly $50 billion in assets. Investment performance is monitored by Treasury Investments staff and a third party investment advisory firm.

Texas /state-review/texas/ Texas ABLE Program http://www.ablenrc.org/state-review/texas Open for Enrollment NorthStar Financial Services Group No 15,000 12140 4 Vanguard, PIMCO and Eaton Vance; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” No No Yes No No

SB 01664

Yes Yes Yes 48 Yes here is a $1 charge for each withdrawal by ACH in excess of 2 per month; there is a $5 charge for each withdrawal by check. No Yes 0 $48 per year $5 NA $2.50 - $6.50 on $1,000 investment per year. 0 $0 $1 charge for each withdrawal by ACH in excess of 2 per month; there is a $5 charge for each withdrawal by check.

Texas ABLE offers online account management; a gifting feature; and payroll deduction. There is no enrollment fee; program has low minimum contribution limit. The program is established and maintained by the Texas Prepaid Higher Education Tuition Board with assistance from the Texas Comptroller of Public Accounts.

Vermont /state-review/vermont/ Vermont ABLE https://www.vermontable.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

V.S.A. §§ 8001-8004 establishes the rules for Vermont ABLE

Yes Yes Yes The current account maintenance fee is $42 annually, payable at $3.50 monthly. No Yes There are no added costs for the STABLE Card, a loadable prepaid debit card. Yes 0 $42 NA $0 $1.90 - $3.30 on $1,000 investment per year. 0 $10 annually (print/mail); $0 electronic $0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Vermont residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

V.S.A. §§ 8001-8004 establishes the rules for Vermont ABLE.

Virginia – ABLEAmerica /state-review/virginia-2/ ABLEAmerica https://www.americanfunds.com/individual/products/able.html Open for Enrollment ABLEAmerica is distributed by American Funds Distributors, Inc. and sold through unaffiliated intermediaries. Yes 15,000 12140 7 American Funds; investments not FDIC insured Yes Yes No Yes 0

ABLEAmerica is ABLEnow’s partnership with American Funds and is available only through financial advisers. Work with your financial adviser to build an ABLE savings plan that meets your specific needs. If you don’t have a financial advisor, ABLEAmerica can help you find one.

Virginia – ABLEnow /state-review/virginia/ ABLEnow https://www.able-now.com/ Open for Enrollment Virginia 529 College Savings Plan Yes 15,000 12140 PNC Bank 4 Virginia 529 College Savings Board offers investment portfolios via Vanguard and Fidelity; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes Yes Yes No Yes Yes No No Yes $39 per year payable at $3.25 per month. This monthly service fee is waived if you maintain an average daily balance of $10,000 in the ABLEnow Deposit Account. No Yes There is no fee for the ABLEnow Debit Card. Yes 0 $39 per year payable at $3.25 per month. This monthly service fee is waived if you maintain an average daily balance of $10,000 in the ABLEnow Deposit Account. NA $0 $3.70 - $4.00 on $1,000 investment per year 0 $0 for electronic statement; $1.50 each month for paper statement $0

ABLEnow is the national ABLE savings program administered by Virginia529. ABLEnow leverages technology that successfully powers the PNC Health Savings Account (HSA) platform, resulting in an ABLE program that’s efficient and easy to manage, supplying choice and control to account owners. Program features include low fees, an online portal to manage your account and the ABLEnow Debit Card—a simple, fast way to pay for qualified disability expenses.

Are you interested in opening an ABLE account with a financial professional?

ABLEAmerica is ABLEnow’s partnership with American Funds and is available only through financial advisers. Work with your financial adviser to build an ABLE savings plan that meets your specific needs. If you don’t have a financial advisor, ABLEAmerica can help you find one.

Washington /state-review/washington/ Washington State ABLE https://www.washingtonstateable.com/ Open for Enrollment Sumday Administration, LLC No 15,000 12140 BNY Mellon 3 Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes Yes Yes against ABLE account. No against estate. WA state will lien ABLE account owner's estate for medicaid recovery as required by the Social Security Act. No

Washington House Bill 2323

Yes Yes Yes 35 No Yes $1.25 a month Yes 50 35 $2.50 $1.25 per month $3.53 to $3.70 on $1,000 investment per year. 0 Free online statements 0

The Washington State ABLE Program is modeled after Oregon’s ABLE Savings Plan, and was created with support of people with disabilities and those working with the disability community. It also partners with Sumday, a program manager that offers a fun, simple and intuitive online platform that helps people manage their ABLE accounts to reach their dreams. The ABLE prepaid card allows people easy access to their money and the ability to track their spending.

Fee to roll MI ABLE to another state plan: “$0 within Sumday family of ABLE plans
$50 to other ABLE plans”

WA state will lien ABLE account owner’s estate for medicaid recovery as required by the social security act.

West Virginia /state-review/west-virginia/ WVABLE https://wvable.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes Yes Except required by federal law, for those estates, ages 55 and older, whose nursing home and/or community based services were paid by Medicaid. Yes

West Virginia H. B. 2902, known as the Achieving a Better Life Experience in West Virginia Act, establishes the rules for WVABLE

West Virginia H. B. 2902, known as the Achieving a Better Life Experience in West Virginia Act, establishes the rules for WVABLE.
1. HB. 2848 Effective May 30, 2019, per state law, WVABLE accounts are not subject to a 529A claim against the beneficiary of a WVABLE for total medical assistance paid after the establishment of an account by the West Virginia Department of Health and Human Resources.
However, the West Virginia Department of Health and Human Resources may recover payments from the estate of Medicaid beneficiaries only as required by the Section 1917(b) of the Social Security Act of WV Code §9-5-11c. Those impacted will be the estates, age 55 or older, whose nursing home and/or community based waiver services were paid by Medicaid. The estate recovery may include the remaining STABLE account funds. For more information on the West Virginia estate recovery process, please go to WV Recovery.

Yes Yes Yes The current account maintenance fee is $42 annually, payable at $3.50 monthly. No Yes There are no added costs for the STABLE Card, a loadable prepaid debit card. Yes 0 The current account maintenance fee is $42 annually, payable at $3.50 monthly. NA $0 $1.90 - $3.40 on $1,000 investment per year. 0 $10 annually (print/mail); $0 electronic $0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, West Virginia residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

 West Virginia H. B. 2902, known as the Achieving a Better Life Experience in West Virginia Act, establishes the rules for WVABLE.

  1. B. 2848Effective May 30, 2019, per state law, WVABLE accounts are not subject to a 529A claim against the beneficiary of a WVABLE for total medical assistance paid after the establishment of an account by the West Virginia Department of Health and Human Resources.

However, the West Virginia Department of Health and Human Resources may recover payments from the estate of Medicaid beneficiaries only as required by the Section 1917(b) of the Social Security Act of WV Code §9-5-11c.  Those impacted will be the estates, age 55 or older, whose nursing home and/or community based waiver services were paid by Medicaid.  The estate recovery may include the remaining STABLE account funds.  For more information on the West Virginia estate recovery process, please go to WV Recovery.

Wyoming /state-review/wyoming/ WYABLE https://wyable.com/ Open for Enrollment Intuition ABLE Solutions, LLC No 15,000 12140 Fifth Third Bank 4 Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” Yes No Yes No No

Wyoming does not have state specific ABLE legislation

Yes Yes Yes The current account maintenance fee is $42 annually, payable at $3.50 monthly. No Yes There are no added costs for the STABLE Card, a loadable prepaid debit card. Yes 0 $42 NA $0 $1.90 - $3.30 on $1,000 investment per year. 0 $10 annually (print/mail); $0 electronic $0

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Wyoming residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

State,ABLE URL,Program Name,Program Link,Status,State Program Manager,State Account Limit,Accepts Out of State Residents,Annual Contribution Limit,ABLE to Work Act Contribution,Program Banking Institution,Number Investment Options,Program Investment Institution(s),Debit Card Or Prepaid Card,Financial Advisor Plan,Withdrawal Hold Rules,Medicaid Payback Waived,Medicaid Payback More Info,State Income Tax Deduction,State Income Tax Deduction More Info,ABLE Legislation,Account Disclosure Document,FDIC Insured,Initial Minimum Contribution,Initial Minimum Contribution Amount,Required Minimum Contribution,Required Minimum Contribution Amount,Annual Set Fee,Annual Set Fee Amount,Fees Or Restrictions,Fees Or Restrictions Details,Purchasing Card Available,Purchasing Card Added Cost,Roll Over Fee,Roll Over Fee Amount,Annual Maintenance Fee,Check Fee,Debit Card Fee,Investment Option Fee Range,529 College Rollover Fee,Statement Fee,ABLE Account Transfer Fee,Withdrawal Transaction Fee,Other Unique Characteristics,Additional Info-nl-"Alabama","/state-review/alabama/","Enable Savings Plan Alabama","https://al.enablesavings.com/","Open for Enrollment","Nebraska State Treasurer","400,000","Yes","15,000","12140","First National Bank of Omaha ","5","First National Bank of Omaha; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” ","Yes","No","Yes","No","","No","","

SB 226

SB 226 Legislative Summary

","

Enable Savings Plan Alabama Disclosure Statement

","Yes","Yes","","Yes","25","Yes","The current account maintenance fee is $45 annually, which is charged $11.25 quarterly per account, not per investment option.","No","","Yes","There is a debit card at no additional cost to be used for assets in the Checking Investment Option.","Yes","0","The current account maintenance fee is $45 annually, which is charged $11.25 quarterly per account, not per investment option.","$2 per month waived if minimum balance of $150 or electronic statement delivery","0","$5.00 to $5.50 on $1,000 per year","0","0","0","0","

The State of Alabama, through the ABLE Program Board, contracted with the Nebraska State Treasurer to create Enable Savings Plan Alabama as part of the Trust.

","",-nl-
"Alaska","/state-review/alaska/","Alaska ABLE Program","https://savewithable.com/ak/home.html","Open for Enrollment","Ascensus","400,000","Yes","15,000","15180","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option“Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.”","Yes","No","Yes","No","","No","","

Legislative Summary SB 104

Legislative Summary HB 188

","

Alaska ABLE Plan Disclosure Statement

","Yes","Yes","","Yes","25","Yes","40","No","","Yes","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","Yes","0","40","$6 for 50 checks","$0 or $1.75 to check balance; $2.75 for non participating ATM","$3.40 to $3.70 on $1,000 per year.","0","$5","0","$0 or $1.75 to check balance; $2.75 for non participating ATM","","

HB 188 passed the House on 4/9/16, then Senate on 4/16/16. It was signed into law 8/8/16. SB 104 was referred to the Senate Finance Committee on 3/23/16.

",-nl-
"Arizona","/state-review/arizona/","AZ ABLE","https://az-able.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank ","4","Vanguard ","Yes","No","Yes","No","","No","","

HB2388 is the legislation that establishes the Arizona ABLE Act program, AZ ABLE
https://www.azleg.gov/legtext/52leg/2r/bills/hb2388p.htm

","

https://www.stableaccount.com/files/STABLEpds.pdf

","Yes","Yes","","Yes","1","Yes","42","No","","Yes","0","Yes","0","42","0","0","Based on a $1000 account balance: $1.90 to $3.30 annually.","0","$10 annually (print/mail); $0 electronic","0","0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Arizona residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","",-nl-
"Arkansas","/state-review/arkansas/","AR ABLE","https://savewithable.com/ar/home.html","Open for Enrollment","Ascensus","366,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” ","Yes","No","Yes","Yes","Yes, subject to federal and state probate laws. ","Yes","$5000 for state residents.","

HB 1239

Legislative Summary HB 1239

HB 1076: To amend the Achieving a Better Life Experience (ABLE) Act; to authorize the transfer of ABLE account assets following the death of a designated beneficiary; to prohibit the state from seeking payment from the ABLE account.

HB 1075: To provide for an income tax deduction for contributions to a disability savings account.

","

National ABLE Alliance AR ABLE Plan Disclosure Document

","Yes","Yes","","No","","Yes","60","No","","Yes","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","Yes","0","$60","$6 fee for 50 checks","0","$3.4 - $3.7 on $1,000 investment per year","0","Paper statements $13.75 quarterly if a Arkansas resident. $15 quarterly if not a resident. ","0","0","","",-nl-
"California","/state-review/california/","CalABLE","https://calable.ca.gov/","Open for Enrollment","TIAA-CREF Tuition Financing, Inc.","529,000","Yes","15,000","12140","TIAA Bank","4","TIAA-CREF; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” ","No","No","Yes","Yes","Subject to federal and state probate laws. Medi-Cal will not file a claim directly on the ABLE account. However, the state may recover on assets that have transferred from an ABLE account to an estate. In these cases, Medi-Cal will recover only if ALL of the following apply: 1) The deceased Medi-Cal member was aged 55 or older; 2) The member leaves an estate that is subject to formal probate. Under current law, only estates that exceed $150,000 (on Jan 1, 2020 this increases to $166,250) in value are subject to formal probate; 3) The member received nursing facility services or home and community based services, including related hospital and prescription drug services; 4) The member is not survived by a spouse of registered domestic partner, child under 21 years of age, or disabled child of any age. Recipients of the estate may also apply for a hardship waiver against recovery on all or part of the estate. Recovery is limited to the amount of payments made for the services listed above (including managed care premiums) or the value of the estate, whichever is less. California Welfare and Institutions Code 4885(b), along with Center for Medicaid and Medicaid Services SMD# 17-002, “RE: Implications of the ABLE Act for State Medicaid Programs.”  Direction to states on recovery of ABLE accounts can be found on page 7. ","No","","

SB 324; AB 449; AB 1553; SB 218; AB 384; AB 688

","

","Yes","Yes","","Yes","25","Yes","$37","No","Fees apply to the prepaid card, for paper statements, withdrawing checks, bounced checks or additional services.","No","The fee for the pre-paid card is $1.25 per month.","Yes","0","$37","$5","NA","$0 to $5.40 on $1,000 investment per year.","0","$10 ","$0","$0 for ACH","

CalABLE will have an Ambassador program in the near future. CalABLE launched a financial literacy program with National Disability Institute. CalABLE funds have been exempted from monetary judgements via state law.

","

Contributions made by check or ACH will not
be available for withdrawal for 10 Business
Days.
There will be a hold of 30 days on withdrawal
requests when there is a change to the address
in the Account record or a change of Legal
Authorized Representative.

For ACH withdrawals, you will typically receive
the funds within three to five Business Days
after CalABLE processes the request. For a
check withdrawal request, you will typically
receive the check within seven to ten Business
Days after CalABLE processes the request.
However, those time frames are not
guaranteed, and various circumstances may
cause your receipt of the funds or the check to
be delayed.

",-nl-
"Colorado","/state-review/colorado/","Colorado ABLE","https://www.coloradoable.org/","Open for Enrollment","Colorado Department of Higher Education","400,000","Yes","15,000","12140","Fifth Third Bank ","6","BlackRock, Schwab and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

HB 1359

","

Colorado ABLE Disclosure Statement

","Yes","Yes","","No","","Yes","$2/month; waived if an average monthly balance of at least $250 is maintained.","No","","Yes","$2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third Bank.","Yes","0","$2/month; waived if an average monthly balance of at least $250 is maintained.","$6/order (50 checks). If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. ","$2 per month","$3.40 to $3.70 on $1,000 per year.","0","0","0","0","

Yes. Colorado is the only state that has partnered with Colorado Fund for Persons with Disabilities (CFPD). They are a non-profit that manages pooled trusts in Colorado. CFPD is offering enrollment and account management services to individuals qualified to open ABLE, or 529(A), savings accounts. Enrollment Assistance by CFPD is FREE to all.

","

ATM fees: $2.75 for U.S. transactions
$5.00 for International transactions
Other ATM network owners may also assess a usage fee.
No charge to use partner network ATMs
International POS/ATM Transaction Fee: 3% of transaction amount
Currency Conversion Fee: 0.20% of transaction amount

",-nl-
"Connecticut","/state-review/connecticut/","","","Signed into law - program in development","","15,000","","15,000","","","","","","","","","","","","

HB 5014

HB 6738 Legislative Summary

HB 5014 Legislative Summary

","","","","","","","","","","","","","","","","","","","","","","","","

Although HB 6738 has already been signed into law, a new bill, HB 5014, has been introduced and would amend the law to include a tax deduction provision for contributions into ABLE accounts. HB 5014 was referred to the Joint Committee on Finance, Revenue, and Bonding on 2/3/16.

",-nl-
"Delaware","/state-review/delaware/","DEPENDABLE","https://savewithable.com/de/home.html","Open for Enrollment","Ascensus","350,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","No","No","Yes","No","","No","","","

Delaware ABLE Disclosure Statement

","Yes","Yes","","No","","Yes","The current account maintenance fee is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly.","No","","No","","Yes","0","Each Account is charged an account maintenance fee of $15 each quarter. This fee can be discounted by $3.75 if you select email delivery for statements and confirmations. The fee can be discounted by another $1.25 if the Account Owner or Authorized Individual is a resident of Delaware.","$0; check book fee of $6","0","$3.40 to $3.70 on $1,000 investment per year.","0","0","0","0","","",-nl-
"District of Columbia","/state-review/district-columbia/","DC ABLE","https://savewithable.com/dc/home.html","Open for Enrollment","Ascensus","500,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

Legislative Summary

B21-0252-Introduction

","

DC ABLE Program Disclosure Statement

","Yes","Yes","","No","","Yes","$60/year in quarterly installments of $15. If you elect electronic delivery notification for statements and confirmations, your Quarterly Account Maintenance fee will be discounted by $3.75","No","","No","","Yes","0","$60/year in quarterly installments of $15. If you elect electronic delivery notification for statements and confirmations, your Quarterly Account Maintenance fee will be discounted by $3.75","If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. ","If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. ","$15.00 per quarter.","0","Rolled into maintenance fee.","0","ATM withdrawal: to find a fee-free Fifth Third Bank or partner network ATM, use the ATM Locator at www.53.com. ","","

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, the Member State receives $1.25 and the Program Manager receives
$13.75 for ongoing Account maintenance and administration. If you elect electronic delivery
notification for statements and confirmations, your Quarterly Account Maintenance Fee will be
discounted by $3.75. You can easily sign up for electronic delivery during the enrollment process or
by visiting the Member Plan website at dc.savewithable.com and logging into your Account. In
addition, if the Account Owner or Authorized Individual is a resident of the District of Columbia, you
are eligible for an additional quarterly discount of $1.25. The Quarterly Account Maintenance Fee will
be charged after an Account has been opened for at least 90 days.

",-nl-
"Florida","/state-review/florida/","ABLE United","https://www.ableunited.com/","Open for Enrollment","Florida Prepaid College Board","15,000","No","15,000","12140","","8","Vanguard Group, Inc, Florida PRIME, and BlackRock, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","No","No","Yes","Yes","Yes, subject to federal and state probate laws. ","No","No, there is no state income tax for residents of Florida. ","","

ABLE United Disclosure Statement

","Yes","Yes","","","","No","","No","","No","","No","","0","","","","","","","","

ABLE United offers an FDIC option. There are no investment fees for the ABLE United FDIC option. Individuals can set up savings goal, integrated ABLE to Work contributions, and unique gifting page to allow others to contribute to your account.

","

ABLE United is the State of Florida’s qualified able program. The Program is administered by Florida ABLE, Inc. a direct-support organization of the Florida Prepaid College Board (Board).The Board, established in 1987, oversees approximately $10 billion in collective investments in the Stanley G.Tate Florida Prepaid College Program and the Florida 529 Savings Program. The mission of ABLE United is to encourage and assist the saving of private funds to help persons with disabilities cover costs that support their health, independence and quality of life.

",-nl-
"Georgia","/state-review/georgia/","Georgia STABLE","https://www.georgiastable.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

O.C.G.A §§ 30-9-1 through 30-9-16 establish the rules for Georgia STABLE

","

PLAN DISCLOSURE STATEMENT AND PARTICIPATION AGREEMENT

","Yes","Yes","","","","Yes","The current account maintenance fee is $42 annually, payable at $3.50 monthly.","No","","Yes","$0","Yes","0","The current account maintenance fee is $42 annually, payable at $3.50 monthly.","0","0","$1.90 - $3.40 on $1,000 investment per year.","0","$10 annually (print/mail); $0 electronic","0","0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Georgia residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","

O.C.G.A §§ 30-9-1 through 30-9-16 establish the rules for Georgia STABLE.

",-nl-
"Hawaii","/state-review/hawaii/","","","Signed into law - program in development","","15,000","","15,000","13960","","","","","","","","","","","

HB 119  HD 2  SD 1  CD 1

Legislative Summary

","","","","","","","","","","","","","","","","","","","","","","","","",-nl-
"Idaho","/state-review/idaho/","","","Not Active","","15,000","","15,000","12140","","","","","","Yes","","","","","","","","","","","","","","","","","","","","","","","","","","","","","

Idaho Statute §56-708

The State Independent Living Council (SILC)  (208)-334-3800 provides Technical Assistance, information, and Financial Literacy training. Technical Assistance includes information and assistance relating to the ABLE Act, setting up ABLE accounts in other states and providing information related to financial literacy.

The passage of House Bill 41, signed by Governor Butch Otter on March 20, 2017 provides for disregarding ABLE accounts when determining an Idaho resident’s eligibility for a state or local assistance program or need-based state or local grant so long as the ABLE account and the activity related to it would be disregarded in determining the applicant’s eligibility for a federal assistance program. This legislation also establishes, subject to appropriation, a function to provide individuals with disabilities, and those assisting them, technical assistance relating to the ABLE Act.

",-nl-
"Illinois","/state-review/illinois/","Illinois ABLE","https://savewithable.com/il/home.html","Open for Enrollment","Ascensus","450,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","Yes","Subject to federal and state probate laws. ","Yes","Illinois taxpayers can contribute to any Illinois ABLE account and take a state income tax deduction of up to $10,000 if filing as an individual, $20,000 if filing jointly. Consult with a tax advisor to discuss your specific situation.","

The Illinois ABLE Act is part of the Illinois State Treasurer Act (15 ILCS 505/16.6)

","

Illinois ABLE Disclosure Statement

","Yes","Yes","","Yes","25","Yes","The quarterly account maintenance fee of $15.00 for paper statement delivery ($60 annually) is reduced to $11.25 quarterly ($45 annually) for accounts that receive electronic statements.","No","","Yes","A Fifth Third Bank checking account option is available with a real-time debit card and no overdraft fees. The $2.00 monthly fee will be waived for accounts with an average daily balance of greater than $250 or if enrolled in electronic statement delivery.","Yes","0","The quarterly account maintenance fee of $15.00 for paper statement delivery ($60 annually) is reduced to $11.25 quarterly ($45 annually) for accounts that receive electronic statements.","A Fifth Third Bank checking account option is available with a real-time debit card and no overdraft fees. The $2.00 monthly fee will be waived for accounts with an average daily balance of greater than $250 or if enrolled in electronic statement delivery.","A Fifth Third Bank checking account option is available with a real-time debit card and no overdraft fees. The $2.00 monthly fee will be waived for accounts with an average daily balance of greater than $250 or if enrolled in electronic statement delivery.","","0"," There is a separate account maintenance fee for the Checking Option, which can be waived if you choose electronic delivery or maintain an average monthly balance of $250 or more in the Checking Option during your monthly statement cycle. ","0","0","","

Illinois is a member of the National ABLE Alliance, a bi-partisan consortium of states. Illinois ABLE account owners benefit from powerful oversight, high-quality plan features and low-cost, strong-performing investments.  Account owners have access to an exclusive, fully integrated Fifth Third, FDIC-insured checking account option, which is available with a real-time debit card and check-writing capability.  The Illinois ABLE plan is available to both in-state and out-of-state residents, and Illinois taxpayers who contribute to Illinois ABLE accounts can take a deduction from state income taxes.  Anyone can contribute to an Illinois ABLE account, and the easy-to-use Ugift feature makes gift contributions easy.

",-nl-
"Indiana","/state-review/indiana/","INvestABLE Indiana","https://savewithable.com/in/home.html","Open for Enrollment","Ascensus","450,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

SB 11SB 184HB 1407

Legislative Summary SB 11

Legislative Summary SB 184

Legislative Summary HB 1407

","

INvestABLE Indiana Disclosure Statement

","Yes","Yes","","No","","Yes","The current account maintenance fee is $45 annually, payable at $11.25 quarterly if you choose electronic delivery for statements. With paper statements, the fee is $60 annually, payable at $15 quarterly.","No","","Yes","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third Bank.","Yes","0","The current account maintenance fee is $45 annually, payable at $11.25 quarterly if you choose electronic delivery for statements. With paper statements, the fee is $60 annually, payable at $15 quarterly.","If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. ","0","$15 quarterly","0","Rolled into maintenance fee.","0","You may request a withdrawal from the Member Plan which can be sent by check or ACH to the Account Owner. You may also access funds invested in the Checking Option by using your debit card, by making an ATM withdrawal or by writing a check. To find a fee-free Fifth Third Bank or partner network ATM, use the ATM Locator at www.53.com","

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, the Member State Administrator receives $1.25 and the Program Manager
receives $13.75 for ongoing Account maintenance and administration. If you elect electronic delivery
notification for statements and confirmations, your Quarterly Account Maintenance Fee will be
discounted by $3.75. You can easily sign up for electronic delivery during the enrollment process
or by visiting our website at IN.savewithable.com and logging into your Account. The Quarterly
Account Maintenance Fee will be charged after an Account has been opened for at least 90 days.

","

SB 11 passed the Senate on 2/18/2016, the House on 3/9/2016, and was signed into law on 3/21/2016. SB 184 was introduced and referred to committee on 1/6/16. HB 1407 was introduced and referred to the Committee on Ways and Means on 2/17/16.

",-nl-
"Iowa","/state-review/iowa/","IAble","https://www.iable.gov/","Open for Enrollment","Ascensus","","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","Yes","$3,387 of contributions per Account Owner are deductible for Iowa individual income tax purposes.","","

IAble Disclosure Statement

","Yes","Yes","","Yes","25","Yes","The current account maintenance fee is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly.","No","","Yes","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","Yes","0","The current account maintenance fee is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly.","$2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery","","$3.40 to $3.70 on $1,000 investment per year.","0","Rolled into maintenance fee","0","0","

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, IAble receives $1.25 and the Program Manager receives $13.75 for
ongoing Account maintenance and administration. If you elect electronic delivery notification for
statements and confirmations, your Quarterly Account Maintenance Fee will be discounted by $3.75.
You can easily sign up for electronic delivery during the enrollment process or by visiting IAble.gov
and logging into your Account. The Quarterly Account Maintenance Fee will be charged after an
Account has been opened for at least 90 days.

Residents of Iowa can deduct up to $3,319 for 2018 (adjusted annually for inflation) of
their contributions including Rollovers from a Non-Iowa 529A plan, in determining their net income
for Iowa income tax purposes.

","",-nl-
"Kansas","/state-review/kansas/","Kansas ABLE Savings Plan","https://savewithable.com/ks/home.html","Open for Enrollment","Ascensus","402,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","Yes","Subject to federal and state probate laws. ","Yes","$3K for an individual; $6K for a married couple filing jointly.","

HB 2216 

Legislative Summary

","

STABLE Account Plan Disclosure Statement

","Yes","Yes","","No","","Yes","The current account maintenance fee is $45 annually ($40 for Kansas Account Owners) payable at $11.25 quarterly for non-residents and $10 quarterly for Kansas residents. With paper statements, the annual fee is $60, payable at $15 quarterly","No","","Yes","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","Yes","0","The current account maintenance fee is $45 annually ($40 for Kansas Account Owners) payable at $11.25 quarterly for non-residents and $10 quarterly for Kansas residents. With paper statements, the annual fee is $60, payable at $15 quarterly","$6 fee for 50 checks","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","$3.40 to $3.70 investment fee per year.","0","Rolled into maintenance fee.","0","$2.50 for out of network ATM","","",-nl-
"Kentucky","/state-review/kentucky/","STABLE Kentucky","https://www.stablekentucky.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","5","Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

Kentucky Revised Statutes § 205.200, KRS 41.415 & KRS 164A.260 establishes the rules for STABLE Kentucky.

","

PLAN DISCLOSURE STATEMENT AND PARTICIPATION AGREEMENT

","Yes","Yes","","","","Yes","$42 annually, payable at $3.50 monthly. ","No","","Yes","No added cost","Yes","0","42","0","0","$1.90 - $3.40 on $1,000 investment per year. ","0","$10 annually (print/mail); $0 electronic","0","0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Kentucky residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","

Kentucky Revised Statutes § 205.200 establishes the rules for STABLE Kentucky.

",-nl-
"Louisiana","/state-review/louisiana/","Louisiana ABLE Account Program","https://www.able.osfa.la.gov/","Open for Enrollment","Louisiana Office of Student Financial Assistance (LAOSFA) and Louisiana Tuition Trust Authority (LATTA)","500,000","No","15,000","12140","","7","Vanguard Inc.; “ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","No","No","Yes","No","","No","","

HOUSE BILL NO. 598 ACT NO. 411
HOUSE BILL NO. 833 ACT NO. 93

HOUSE BILL 598 Legislative Summary

HOUSE BILL 833 Legislative Summary

 

","

LOUISIANA’S SECTION 529A PLAN THE LOUISIANA ABLE ACCOUNT PROGRAM DISCLOSURE BOOKLET

","No","Yes","","","","No","","Yes","Disbursements must be $200 or greater, unless the purpose it to close the account and the account is valued at less than $200.","No","","Yes","0","0","0","0","$160 on $1,000 per year.","0","0","0","0","","

The ABLE Act was passed on 5/16/14 as Act 93 (HB 833), prior to the federal passage of the ABLE Act in December 2014. HB 598 was signed into law as Act 411 on 7/1/15 to amend Act 93.

",-nl-
"Maine","/state-review/maine/","N/A","","Signed into law - program in development","","399,999","","15,000","12140","","","","","No","","Yes","Yes, subject to federal and state probate laws. ","","","

Resolve, Directing the Treasurer of State To Study the Most Effective Options for Maine Residents To Participate in Tax-advantaged Savings Accounts for Persons with Disabilities

","","","","","","","","","","","","","","","","","","","","","","","","

LD 1421 (HP 967) is a law directing the Treasurer of State to study the most effective options for Maine residents to participate in tax-advantaged savings accounts for persons with disabilities. It passed the House on 2/18/16 and the Senate on 2/23/16. It became law without the Governor’s signature on 3/6/16.

 

",-nl-
"Maryland","/state-review/maryland/","Maryland ABLE","https://www.marylandable.org","Open for Enrollment to residents of any U.S. state.","Maryland 529","50,000","Yes","15,000","12140","BNY Mellon","4","Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","Yes","Subject to federal and state probate laws. "Yes. The provisions of Maryland HB 782/SB 550 section 18–19C–10.This section reads as follows:18–19C–10. 22 (a) Unless prohibited by federal law, on the death of a designated beneficiary, money and assets in an able account may be 24 transferred to: (1) The estate of the designated beneficiary; or (2) An able account for another eligible individual specified by the designated beneficiary or the estate of the designated beneficiary. (b) Unless required by federal law, an agency or instrumentality of the state may not seek payment under § 529a(f) of the internal revenue code from an able account or its proceeds for any amount of medical assistance paid for the designated beneficiary. Section 2. And be it further enacted, that this act shall take effect June 1, 2018. "","Yes","There is a Maryland income tax deduction of up to $2,500 per contributor per beneficiary per year, with a 10-year carry forward of excess contributions.","

House Bill 431

","

Will be updated soon.

","Yes","Yes","","Yes","10","Yes","The current account maintenance fee is $35 per year pro rated based on time of enrollment and payable at $8.75 per quarter, deducted directly from the ABLE account.","No","","Yes","$1.25 a month","Yes","50","35","The Program does not have a Checking account option, however paper checks can be requested, if needed for an additional cost. The Debit Card option provides access.","$1.25","$6.50 to $7.39 on $1,000 investment per year.","0","Statements are available at no cost on line 24/7, 365 days per year. To receive delivery of paper statements there is an annual $10 charge.","0","0","

Maryland ABLE has included in its rollover and gifting process a step for approval and limiting by the Beneficiary or ALR to ensure that beneficiaries that have savings goals in order to maintain benefits, based on assets outside of the ABLE account, can be completed throughout the calendar year.

","

Up to a maximum of 7 business day hold after a contribution has been received and accepted by the Program for funds to be available to withdrawal.

",-nl-
"Massachusetts","/state-review/massachusetts/","The Attainable Savings Plan","https://www.fidelity.com/able/attainable/overview","Open for Enrollment","Fidelity mefa - https://www.mefa.org/products/attainable/","400,000","Yes","15,000","12140","NA","8","Fidelity Investments; “ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

PartI/TitleII/Chapter15C/Section29

","

","No","No","","No","25","No","","No","","Yes","0 "Open a Fidelity® Cash Management Account and use a debit card, fee-free ATMs, BillPay, and free check writing to manage your disability-related expenses."","Yes","0","0","0","0","$5.70 to $9.30 on $1,000 for one year ","0","","0","0","

By opening a Fidelity Cash Management Account once your Attainable account has been funded. Use your Fidelity Cash Management Account features like a debit card, fee-free ATMs, and free check writing to manage your disability-related expenses.
“Attainable Savings Plan features: An Attainable account is an easy and accessible way to invest and save for qualified disability expenses.
– Make annual contributions up to $15,000 for 2019 (up to $27,140 per year for a designated beneficiary who is employed and has employment income)*
– Choose from a range of professionally managed investment portfolios
– Use your account to save and pay for qualified disability expenses over the short and long term”
“Get help saving more: Earnings will grow
tax deferred and are federal income tax free
when used for qualified disability expenses.
Keep disability benefits: Money in the
account does not impact Medicaid benefits,
and balances below $100,000 do not impact
SSI benefits.
Plan for the future: Save for disabilityrelated expenses, and access your money whenever you need it. ”

","

HB 4047 became Chapter 226 of the Acts of 2014. HD 3753 was introduced to revise the pre-federal legislation and as of 1/21/16 is in the House Ways and Means committee.

Note that a debit card option is ONLY available to Attainable Plan customers who also open a Fidelity Cash Management Account. Attainable plan customers can open a Fidelity Cash Management Account and transfer money easily from their Attainable account to their Fidelity Cash Management Account. The Fidelity Cash Management Account provides a no annual fee debit card with ATM-fee reimbursement, free check writing, free Fidelity Billpay, the option to open as a joint account, and the option to receive text alerts on Debit Card usage.

 

",-nl-
"Michigan","/state-review/michigan/","MiABLE","https://www.miable.org/","Open for Enrollment","TSA Consulting Group, Inc.","500,000","Yes","15,000","12140","FPS Trust","6","Purdent; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","Medicaid payback is not specifically waived, however Medicaid has never requested payback.","Yes","$5,000 of contributions are deductible for Michigan individual income tax purposes. $10,000 of contributions for joint filers are deductible for Michigan income tax purposes.","

Achieve a Better Life Experience (ABLE) Act S.1872/H.R.3423

","

","Yes","Yes","","Yes","25","Yes","$45 yearly, $11.25 quarterly","No","","Yes","Replacement fee only","Yes","0","$45 per year; $11.25 quarterly","$10","0","$1.60 to $2.70 on $1,000 investment per year","0","0","0","0","

MiABLE has one of the highest aggregate limits ($500 K). We offer a Public Contribution site (crowd funding). We offer a relatively high State tax deduction.

","

Deposits subject to 5 Business Day Hold.
Minimum deposit: $25, $15 if enrolled in re-occurring payments

",-nl-
"Minnesota","/state-review/minnesota/","Minnesota ABLE Plan","https://savewithable.com/mn/home.html","Open for Enrollment","Ascensus","425,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, Vanguard, and for high-yield savings Sallie Mae; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

ABLE Act included in omnibus Health and Human Services appropriations bill.
SF 1458 (article 7, section 44)

Legislative Summary

","

NATIONAL ABLE ALLIANCE MINNESOTABLE plan

","Yes","Yes","","No","","Yes","The current account maintenance fee is $45 annually ($40 for Minnesota Account Owners) payable at $11.25 quarterly for non-residents and $10 quarterly for Minnesota residents. With paper statements, the annual fee is $60, payable at $15 quarterly.","No","","No","","Yes","0","The current account maintenance fee is $45 annually ($40 for Minnesota Account Owners) payable at $11.25 quarterly for non-residents and $10 quarterly for Minnesota residents. With paper statements, the annual fee is $60, payable at $15 quarterly.","monthly service charge of $2.00 as set forth in Appendix B of the Plan Disclosure Statement. This fee is waived if your Checking Option has an average daily balance over $250 or if you are enrolled in electronic statement delivery at www.53.com.","NA","$15.00 per quarter.","0","Rolled into maintenance fee.","0","ATM fee-free Fifth Third Bank or partner network ATM, use the ATM Locator at www.53.com","","

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, the Member State receives $1.25 and the Program Manager receives
$13.75 for ongoing Account maintenance and administration. If you elect electronic delivery
notification for statements and confirmations, your Quarterly Account Maintenance Fee will be
discounted by $3.75. You can easily sign up for electronic delivery during the enrollment process
or by visiting the Member Plan website at mn.savewithable.com and logging into your Account. In
addition, if the Account Owner or Authorized Individual is a resident of Minnesota, you are eligible
for an additional quarterly discount of $1.25. The Quarterly Account Maintenance Fee will be charged
after an Account has been opened for at least 90 days.

",-nl-
"Mississippi","/state-review/mississippi/","Mississippi ABLE Program","https://savewithable.com/ms/home.html","Open for Enrollment","Mississippi Department of Rehabilitation Services","235,000","Yes","15,000","12140","Fifth Third Bank","7","Ascensus; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

Mississippi Code Section 43-28-1 et. seq.

","

","Yes","Yes","","No","","Yes","$3.75 per month. This monthly fee may decrease as enrollment in the program increases. Additional fees may apply.","No","","Yes","There are no fees associated with the Debit card.","Yes","0","$3.75 per month. This monthly fee may decrease as enrollment in the program increases. Additional fees may apply.","If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has average daily balance over $250 or if you are enrolled in electronic statement delivery. ","0","$15.00 per quarter.","0","Rolled into maintenance fee.","0","0","","

Each Account is charged a Quarterly Account Maintenance Fee of $15. Out of the $15 Quarterly
Account Maintenance Fee, the Member State receives $1.25 and the Program Manager receives $13.75
for ongoing Account maintenance and administration. If you elect electronic delivery notification for
statements and confirmations, your Quarterly Account Maintenance Fee will be discounted by $3.75.
You can easily sign up for electronic delivery during the enrollment process or by visiting the Member
Plan website at MS.savewithable.com and logging into your Account. In addition, if the Account Owner
or Authorized Individual is a resident of Mississippi, you are eligible for an additional quarterly discount
of $1.25. The Quarterly Account Maintenance Fee will be charged after an Account has been opened
for at least 90 days.

",-nl-
"Missouri","/state-review/missouri/","MO ABLE","https://www.moable.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","Yes","Missouri offers an annual state income tax deduction of up to $8,000 for single filers and $15,000 for joint filers","

Missouri Revised Statutes §§ 209.605-209.645 establishes the rules for MO ABLE

","

","Yes","Yes","","","","Yes","The current account maintenance fee is $42 per year payable at $3.50 per month.","No","","Yes","0","Yes","0","The current account maintenance fee is $42 per year payable at $3.50 per month.","0","0","$1.90 to $3.30 on $1,000 investment per year.","0","$10 annually (print/mail); $0 electronic statement","0","No ATM use","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Missouri residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","

Missouri Revised Statutes §§ 209.605-209.645 establishes the rules for MO ABLE.

",-nl-
"Montana","/state-review/montana/","Montana ABLE","https://savewithable.com/mt/home.html","Open for Enrollment","Ascensus","400,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, Vanguard and for high-yield savings Sallie Mae; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","Yes","$3,000 per tax year for taxpayers contributing to an account of their own, their spouse or their child.","

SB 0399

SB 399 Legislative Summary

","

NATIONAL ABLE ALLIANCE Montana ABLE Member Plan Addendum October 2018

MSU Extension MontGuide on ABLE Accounts

","Yes","Yes","","No","","Yes","Each account is charged a Quarterly Account Maintenance fee of $15. If you elect electronic delivery notification for statements and confirmations, your Quarterly Account Maintenance fee will be discounted by $3.75.","No","","Yes","If you are invested in the Checking Option, you will be charged a monthly service charge of $2.00. The fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. The FDIC-insured checking option is from Fifth Third Bank.","Yes","0","Each account is charged a Quarterly Account Maintenance fee of $15. If you elect electronic delivery notification for statements and confirmations, your Quarterly Account Maintenance fee will be discounted by $3.75.","If you are invested in the Checking Option, you will be charged a monthly service charge of $2 as set forth in Appendix B to the Plan Disclosure Statement. This fee is waived if your Account has an average daily balance over $250 or if you are enrolled in electronic statement delivery. ","$0","$15 per quarter","0","Rolled into maintenance fee.","0","$0 if using a member ATM; to find a fee-free Fifth Third Bank or partner network ATM, use the ATM Locator at www.53.com. I","","",-nl-
"Nebraska","/state-review/nebraska/","Enable Savings Plan","https://www.enablesavings.com/","Open for Enrollment","First National Bank of Omaha","400,000","Yes","15,000","12140","First National Bank of Omaha","4","The Nebraska Investment Council; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","Yes","Contributions by anyone who files a Nebraska state income tax return are eligible to receive a Nebraska state income tax deduction for their own contributions of up to $10,000 ($5,000 if married, filing separately).","","

ENABLE Savings Plan Program Disclosure Statement and Participation Agreement

","Yes","Yes","","Yes","25","Yes","The current account maintenance fee is $45 annually, payable at $11.25 quarterly.","No","","Yes","There is a debit card at no additional cost to be used for assets in checking.","Yes","0","The current account maintenance fee is $45 annually, payable at $11.25 quarterly.","$2.00 per month unless: Enroll in electronic statement delivery. To enroll in electronic statement delivery for the Checking Investment Option, once you receive your debit card, visit www.53.com, register your account, and click on Documents to select your delivery preferences. ‰ Maintain an average monthly Checking Investment Option balance of at least $250.","","$5.00 to $5.50 on $1,000 per calendar year. ","0","Rolled into maintenance fee.","0","$0 – No Charge to use Fifth Third ATMs or partner network ATMs, as found on Branch & ATM locator on 53.com","

Your account must maintain or have a minimum balance
of $50.

","",-nl-
"Nevada","/state-review/nevada/","ABLE Nevada","https://savewithable.com/nv/home/contact-us.html","Open for Enrollment","Ascensus","370,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","There is no state income tax for residents of Nevada. ","","

ABLE Nevada Disclosure Statement

","Yes","Yes","","No","","Yes","For Nevada residents: $10 per quarterly or $13.75 for paper statements quarterly at $55.00 per year. For non-Nevada residents: account maintenance fee is $45 annually, payable at $11.25 quarterly for electronic delivery of statements. For paper delivery of statements, the fee is $60 annually, payable at $15 quarterly.","No","","Yes","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","Yes","0","The current account maintenance fee is $45 annually, payable at $11.25 quarterly for electronic delivery of statements. For paper delivery of statements, the fee is $60 annually, payable at $15 quarterly.","$6 fee for 50 checks","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","$3.40 to $3.70 on $1,000 investment per year.","0","Included in maintenance fee.","0","$2.75 at non-partner ATM","","",-nl-
"New Hampshire","/state-review/new-hampshire/","STABLE NH","https://www.stablenh.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","There is no state income tax for residents of New Hampshire. ","

New Hampshire RSA 195-K establishes the rules for STABLE NH

","

","Yes","Yes","","","","Yes","The current account maintenance fee is $42 per year payable at $3.50 per month","No","","Yes","There are no added costs for the STABLE Card, a loadable prepaid debit card.","Yes","0","he current account maintenance fee is $42 per year payable at $3.50 per month","0","0","Based on a $1,000 account balance: $1.90 to $3.30 per year.","0","$10 annually (print/mail); $0 electronic","0","0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, New Hampshire residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","",-nl-
"New Jersey","/state-review/new-jersey/","NJ ABLE ","https://savewithable.com/nj/home.html","Open for Enrollment","Ascensus","305,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

A3959 1R

A3959 Legislative Summary

","

NATIONAL ABLE ALLIANCE NJ ABLE Savings Plan Member Plan Addendum October 2018

","Yes","Yes","","No","25","Yes","The current account maintenance fee for electronic statements is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly.","No","","Yes","0","Yes","0","The current account maintenance fee for electronic statements is $45 annually payable at $11.25 quarterly. With paper statements, the annual fee is $60, payable at $15 quarterly.","$6 fee for 50 checks","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","$3.40 to $3.70 for $1,000 investment per year.","0","included in annual maintenance fee.","0","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","","",-nl-
"New Mexico","/state-review/new-mexico/","ABLE New Mexico","https://ablenewmexico.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

New Mexico HB61 established the rules for ABLE New Mexico

","

","Yes","Yes","","","","Yes","The current account maintenance fee is $42 annually, payable at $3.50 monthly.","No","","Yes","There are no added costs for the STABLE Card, a loadable prepaid debit card.","Yes","0","The current account maintenance fee is $42 annually, payable at $3.50 monthly.","0","0","Based on a $1000 account balance: $1.90 to $3.30 per year.","0","$10 annually (print/mail); $0 electronic","0","0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, New Mexico residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","

New Mexico HB61 established the rules for ABLE New Mexico.

",-nl-
"New York","/state-review/new-york/","NY ABLE ","https://www.mynyable.org/","Open for Enrollment","Ascensus","100,000","No","15,000","12140","Fifth Third Bank","4","Ascenus Broker Dealer Services, Inc. is the investment manager. NY ABLE offers Vanguard investments and portfolios which include a Sallie Mae Savings Account; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

SB 4472S 6397

Legislative Summary SB 4472

Legislative Summary S 6397

If your state has not yet passed ABLE legislation allowing for the development of an ABLE program, we encourage you to contact your state legislator to inform them about the program’s benefits. It is important that your state legislator understands that passing ABLE legislation allows individuals with disabilities in their state to save for their future, a near impossible task prior to this law. For more information on how to find and contact your state legislator, please click on the link below.

Find Your New York Legislator

","

NEW YORK ABLE SAVINGS PROGRAM DISCLOSURE BOOKLET AND PARTICIPATION AGREEMENT

","Yes","Yes","","","","Yes","There is a $45 annual fee payable at $11.25 quarterly. If paper statements are selected, the fee increases to $13.75 per quarter ($55 annually).","No","","Yes","There is no fee charged to obtain the NY ABLE debit card. There is a monthly $2 maintenance fee for the Checking Option that can be waived if the average daily balance is over $250 or by electing electronic statements at Fifth Third Bank.","Yes","0","There is a $45 annual fee payable at $11.25 quarterly. If paper statements are selected, the fee increases to $13.75 per quarter ($55 annually).","Accounts invested in the Checking Option will be charged a $2 monthly service charge. The fee is waived for average daily balances over $250 or Accounts enrolled in electronic statement delivery directly with Fifth Third Bank.","There is no fee charged to obtain the NY ABLE debit card. ","The annual investment fee is $4.00 on a balance of $1,000.","0"," If you elect paper delivery for statements and confirmations, your Quarterly Account Maintenance Fee will be $13.75.","$0","$0","

NY ABLE is offered by the Office of the New York State Comptroller. NY ABLE provides an easy to use platform with diversified investment options, including a checking and debit option to allow ease of use, and outstanding customer service. Contributions and withdrawals can be made in a variety of ways, making NY ABLE versatile and accessible to all eligible New Yorkers.

","

S 6397 will amend SB 4472 and some details regarding New York ABLE account ownership, contributions, and distributions. The bill was amended on 2/2/16 during its third reading.

",-nl-
"North Carolina","/state-review/north-carolina/","NC ABLE","https://savewithable.com/nc/home.html","Open for Enrollment","Ascensus","450,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, Vanguard, and for high-yield savings Sallie Mae; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

HB 556

HB 556 Legislative Summary

","

NC ABLE Disclosure Statement

","Yes","Yes","","No","","Yes","The current account maintenance fee is $45 annually payable at $11.25 quarterly With paper statements, the annual fee is $60, payable at $15 quarterly","No","","Yes","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average monthly balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","Yes","0","The current account maintenance fee is $45 annually payable at $11.25 quarterly With paper statements, the annual fee is $60, payable at $15 quarterly.","$6 fee for 50 checks","0","$3.40 to $3.80 on $1,000 investment per year.","0","Included in maintenance fee","0","0","","",-nl-
"North Dakota","/state-review/north-dakota/","ABLE Plan for North Dakota","https://bnd.nd.gov/able/","Signed into law - see site for information on how to select an ABLE plan in another state","Bank of North Dakota","","","15,000","12140","","","","","","Yes","No","","No","","","","","","","","","","","","","","","","0","","","","","","","","","","",-nl-"Ohio","/state-review/ohio/","STABLE Account","https://www.stableaccount.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","Yes","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","Yes","$4,000 of contributions are deductible for Ohio individual income tax purposes (with unlimited carry forward).","

Ohio House Bill 155 implements the federal ABLE Act in Ohio

","

PLAN DISCLOSURE STATEMENT AND PARTICIPATION AGREEMENT

","Yes","Yes","","Yes","1","Yes","$30.00 per year for Ohio residents and $42 per year for non-Ohio residents","No","","Yes","There are no added costs for the STABLE Card, a loadable prepaid debit card.","Yes","0","The current account maintenance fee is $30 per year payable at $2.50 per month for Ohio Account Owners and $42 per year payable at $3.50 per month for non-Ohio account owners.","0","0","Based on a $1000 account balance: $1.90 to $3.30 for Ohio residents and $4.50 to $5.90 for out of state residents","0","$10 annually (print/mail); $0 electronic","0","0","

The program features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","",-nl-
"Oklahoma","/state-review/oklahoma/","Oklahoma STABLE","https://okstable.org/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

Oklahoma HB 2821 establishes the rules for Oklahoma STABLE

","

PLAN DISCLOSURE STATEMENT AND PARTICIPATION AGREEMENT

","Yes","Yes","","","","Yes","The current account maintenance fee is $42 annually payable at $3.50 monthly.","No","","Yes","0","Yes","0","The current account maintenance fee is $42 annually payable at $3.50 monthly.","0","0","$1.90 - $3.40 on $1,000 investment per year. ","0","$10 annually (print/mail); $0 electronic","0","0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Oklahoma residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","

Additional Information: Oklahoma HB 2821 establishes the rules for Oklahoma STABLE.

",-nl-
"Oregon","/state-review/oregon-able-for-all-savings-plan/","ABLE for ALL Savings Plan","https://ableforall.com/","Open for Enrollment","Sumday, a division of BNY Mellon; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","400,000","Yes","15,000","12140","Sumday, a division of BNY Mellon","3","Vanguard and DFA","Yes","No","Yes","Yes","Subject to federal and state probate laws. "In the event of the death of a beneficiary, the funds from their ABLE account can be used by his or her estate to repay any outstanding eligible expenses or funeral and burial costs. Remaining funds will be transferred to the estate of the beneficiary.  Due to the passage of Senate Bill 1027 during the 2017 legislative session, Medicaid in Oregon is restricted from filing a claim for a payback on funds that were previously in an ABLE account of a deceased beneficiary. Medicaid Payback is governed at the federal level and, out of an abundance of caution, it is suggested to assume funds could still be recovered by Medicaid." https://oregonablesavings.com/faqs/2016/11/3/what-happens-to-my-account-if-i-pass-away-is-there-a-medicaid-payback?rq=medicaid","Yes","If the ABLE beneficiary is under the age of 21, anyone paying Oregon state income taxes can deduct up to $4,865 if filing jointly, and $2,435 if filing single.","

Oregon Senate Bill 777 implemented the federal ABLE Act in Oregon

","

","Yes","Yes","","Yes","10","Yes","$35.00 per year","No","","Yes","$1.25 a month","Yes","50","$35","$2.50 per check","$1.25","$3.00 to $3.70 on $1,000 investment per year.","0","10 annually","0","no","

Our program is unique because it was created with the support of people with disabilities and those working with the disability community. We collaborate with nonprofit organizations and government agencies that focus on disability issues and champion our cause. We established ways for people to get in-person assistance with in-state partners such as the Aging and Disability Resource Centers in case they need additional support. Our support team goes above and beyond with intensive training to help empower beneficiaries with information provided in a way that is most useful for that person. The Oregon ABLE debit card was designed with accessibility in mind having special features to improve ease of use for individuals with disabilities and allows beneficiaries a simple, efficient way to use up to $15,000 at a time for Qualified Disability Expenses. We’re also the first ABLE program to partner with Sumday, a program manager that offers a fun, simple and intuitive online platform that helps people manage their ABLE accounts to reach their dreams.

Everything Oregon ABLE does is focused on empowering people with disabilities to live the lives they desire, whatever that may look like. They always talk directly to the person with a disability, not about them to their support team. This even comes through by designing features and options that will meet everyone’s needs and giving account owners the freedom to choose what works best for them.

","

10-day hold before deposits made by the account owner or authorized legal representative. 20-day hold if the deposits were made by someone else.

",-nl-
"Oregon – ABLE Savings Plan","/state-review/oregon/","Oregon ABLE Savings Plan","https://oregonablesavings.com/","Open for Enrollment","Sumday, a division of BNY Mellon","400,000","No","15,000","12140","Sumday, a division of BNY Mellon","4","Vanguard and DFA; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","Yes","In the event of the death of a beneficiary, the funds from their ABLE account can be used by his or her estate to repay any outstanding eligible expenses or funeral and burial costs. Remaining funds will be transferred to the estate of the beneficiary.  Due to the passage of Senate Bill 1027 during the 2017 legislative session, Medicaid in Oregon is restricted from filing a claim for a payback on funds that were previously in an ABLE account of a deceased beneficiary. Medicaid Payback is governed at the federal level and, out of an abundance of caution, it is suggested to assume funds could still be recovered by Medicaid.","","","

Oregon Senate Bill 777 implemented the federal ABLE Act in Oregon.

Senate Bill 777

 

","

OREGON ABLE SAVINGS PLAN DISCLOSURE BOOKLET

","Yes","Yes","","","","Yes","35","No","","Yes","$1.25 per month","Yes","50","35","2.50","1.25","Between .3% to .37%","0","$10 annually","0","No fee for withdrawals","","",-nl-
"Pennsylvania","/state-review/pennsylvania/","PA ABLE Savings Program","https://www.paable.gov/","Open for Enrollment","Ascensus","511,758","Yes","15,000","12140","Fifth Third Bank","7","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","Yes","Subject to federal and state probate laws. ","Yes","Contributions up to $15,000 per year may be deducted from taxable income on Pennsylvania state income tax. This benefit applies only to contributions made to a PA ABLE account.","

HB 1319SB 879

HB 1319 Legislative Summary

SB 879 Legislative Summary

","

PA ABLE Savings Program Disclosure Statement

","Yes","Yes","","Yes","25","Yes","There is an annual account maintenance fee. That fee is $60 which is discounted to $45 for those Account Owners who receive specified Account information electronically. The fee is taken quarterly ($15 or $11.25).","No","","Yes","0","Yes","0","There is an annual account maintenance fee. That fee is $60 which is discounted to $45 for those Account Owners who receive specified Account information electronically. The fee is taken quarterly ($15 or $11.25).","$6 fee for 50 checks","0","$3.40 - $3.80 on $1,000 investment per year","0","$15 per quarter for paper statement; $11.25 for electronic statement fees are included in the quarterly maintenance fee ","0","0","","",-nl-
"Rhode Island","/state-review/rhode-island/","RI's ABLE","https://savewithable.com/ri/home.html","Open for Enrollment","Ascensus","395,000","Yes","15,000","12140","Fifth Third Bank","6","BlackRock, Schwab, and Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested.” ","Yes","No","Yes","No","","No","","

HB 5564; SB 465

HB 5564 Legislative Summary

SB 465 Legislative Summary

","

RI’s ABLE Disclosure Statement

","Yes","Yes","","No","","Yes","$40 annually, payable at $15 per quarter ","No","","Yes","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","Yes","0","$40 annually, payable at $10 quarterly","$6 fee for 50 checks","A $2.00 monthly fee is associated with utilizing the debit card option, however the fee can be waived with an average daily balance over $250 or if enrolled in electronic statement delivery at Fifth Third bank.","$34 - $38 on $1,000 investment per year","0","$13.75 quarterly for RI residents; non-residents $15.00 for quarterly for paper statements; Electronic statements for residents $10; non-residents $11.25 per quarter ","0","0","","",-nl-
"South Carolina","/state-review/south-carolina/","Palmetto ABLE Savings Program (SC)","https://palmettoable.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc. and Fifth Third Bank; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","Yes","100% of contributions to a Palmetto ABLE Savings Program account may be deducted from SC state income tax.","

South Carolina HB3768 established the Palmetto ABLE Savings Program

","

PLAN DISCLOSURE STATEMENT AND PARTICIPATION AGREEMENT

","Yes","Yes","","","","Yes","The current account maintenance fee is $42 per year payable at $3.50 per month","No","","Yes","There are no added costs for the STABLE Card, a loadable prepaid debit card.","Yes","0","The current account maintenance fee is $42 per year payable at $3.50 per month","0","$0","$1.90 - $3.40 on $1,000 investment per year. ","0","$10 annually (print/mail); $0 electronic","0","0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, South Carolina residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","

Additional Information: South Carolina HB3768 established the South Carolina ABLE Savings Program.

",-nl-
"South Dakota","/state-review/south-dakota/","","","","","350,000","","15,000","12140","","","","","","Yes","","","No","No, there is no state income tax for residents of South Dakota. ","

HB 1224

","","","","","","","","","","","","","","0","","","","","","","","","","

HB 1224 was signed into law on 3/11/2016.  The bill:

  1. Excludes contributions to an account in a qualified ABLE savings program, earnings on the contributions, or distributions from the account for qualified disability expenses from consideration when determining eligibility for State benefit programs.
  2. Authorizes the Investment Council to provide information about ABLE savings programs to residents of South Dakota
",-nl-
"Tennessee","/state-review/tennessee/","ABLE TN","http://www.abletn.gov/","Open for Enrollment","State of Tennessee Department of Treasury","350,000","No","15,000","12140","First TN Bank","14","The Tennessee Treasury Department with offerings from Vanguard, PRIMECAP, Dimensional Fund Advisors and First Tennessee Bank“Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","No","No","Yes","No","","No","There is no state income tax for residents of Tennessee. ","","

ABLE TN DISCLOSURE BROCHURE

","Yes","Yes","","","","No","","No","","No","","Yes","0","$0","","$0","$0 - $62 on $1,000 investment per year","0","$0","$0","$0","

ABLE TN offers 14 investment choices. The program is administered by the Tennessee Treasury Department which is responsible for managing the investment of roughly $50 billion in assets. Investment performance is monitored by Treasury Investments staff and a third party investment advisory firm.

","",-nl-
"Texas","/state-review/texas/","Texas ABLE Program","http://www.ablenrc.org/state-review/texas","Open for Enrollment","NorthStar Financial Services Group","370,000","No","15,000","12140","","4","Vanguard, PIMCO and Eaton Vance; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","No","No","Yes","No","","No","There is no state income tax for residents of Texas.","

SB 01664

","

Texas ABLE Program Disclosure Statement and Participation Agreement

","Yes","Yes","","","","Yes","48","Yes","here is a $1 charge for each withdrawal by ACH in excess of 2 per month; there is a $5 charge for each withdrawal by check.","No","","Yes","0","$48 per year","$5","NA","$2.50 - $6.50 on $1,000 investment per year.","0","$0","yes","$1 charge for each withdrawal by ACH in excess of 2 per month; there is a $5 charge for each withdrawal by check.","

Texas ABLE offers online account management; a gifting feature; and payroll deduction. There is no enrollment fee; program has low minimum contribution limit. The program is established and maintained by the Texas Prepaid Higher Education Tuition Board with assistance from the Texas Comptroller of Public Accounts.

","",-nl-
"Utah","/state-review/utah/","","","Signed into law - program in development","","416,000","","15,000","12140","","","","","No","Yes","No","","Yes","Section 13 allows a 5% tax credit on the total amount of contributions.","

S.B. 292

S.B. 292 Legislative Summary

","","","","","","","","","","","","","","0","","","","","","","","","","",-nl-
"Vermont","/state-review/vermont/","Vermont ABLE","https://www.vermontable.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","","

V.S.A. §§ 8001-8004 establishes the rules for Vermont ABLE

","

","Yes","Yes","","","","Yes"," The current account maintenance fee is $42 annually, payable at $3.50 monthly.","No","","Yes","There are no added costs for the STABLE Card, a loadable prepaid debit card.","Yes","0","$42","NA","$0","$1.90 - $3.30 on $1,000 investment per year.","0","$10 annually (print/mail); $0 electronic","$0","$0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Vermont residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","

V.S.A. §§ 8001-8004 establishes the rules for Vermont ABLE.

",-nl-
"Virginia – ABLEAmerica","/state-review/virginia-2/","ABLEAmerica","https://www.americanfunds.com/individual/products/able.html","Open for Enrollment","ABLEAmerica is distributed by American Funds Distributors, Inc. and sold through unaffiliated intermediaries. ","500,000","Yes","15,000","12140","","7","American Funds; investments not FDIC insured","","Yes","Yes","","","","Subject to ABLE resident's state deduction rules. ","","","No","","","","","","","","","","","Yes","0","","","","","","","","","

ABLEAmerica is ABLEnow’s partnership with American Funds and is available only through financial advisers. Work with your financial adviser to build an ABLE savings plan that meets your specific needs. If you don’t have a financial advisor, ABLEAmerica can help you find one.

","",-nl-
"Virginia – ABLEnow","/state-review/virginia/","ABLEnow","https://www.able-now.com/","Open for Enrollment","Virginia 529 College Savings Plan","500,000","Yes","15,000","12140","PNC Bank","4","Virginia 529 College Savings Board offers investment portfolios via Vanguard and Fidelity; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","Yes","Yes","No","","Yes","$2,000 of contributions to an ABLENow account per contributor are deductible for Virginia income tax purposes.","","

","Yes","No","","No","","Yes","$39 per year payable at $3.25 per month. This monthly service fee is waived if you maintain an average daily balance of $10,000 in the ABLEnow Deposit Account.","No","","Yes","There is no fee for the ABLEnow Debit Card.","Yes","0","$39 per year payable at $3.25 per month. This monthly service fee is waived if you maintain an average daily balance of $10,000 in the ABLEnow Deposit Account.","NA","$0","$3.70 - $4.00 on $1,000 investment per year","0","$0 for electronic statement; $1.50 each month for paper statement","$0","$0","

ABLEnow is the national ABLE savings program administered by Virginia529. ABLEnow leverages technology that successfully powers the PNC Health Savings Account (HSA) platform, resulting in an ABLE program that’s efficient and easy to manage, supplying choice and control to account owners. Program features include low fees, an online portal to manage your account and the ABLEnow Debit Card—a simple, fast way to pay for qualified disability expenses.

","

Are you interested in opening an ABLE account with a financial professional?

ABLEAmerica is ABLEnow’s partnership with American Funds and is available only through financial advisers. Work with your financial adviser to build an ABLE savings plan that meets your specific needs. If you don’t have a financial advisor, ABLEAmerica can help you find one.

",-nl-
"Washington","/state-review/washington/","Washington State ABLE","https://www.washingtonstateable.com/","Open for Enrollment","Sumday Administration, LLC","500,000","No","15,000","12140","BNY Mellon","3","Vanguard; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","Yes","Yes against ABLE account. No against estate. WA state will lien ABLE account owner's estate for medicaid recovery as required by the Social Security Act.","No","There are no income taxes for residents of Washington.","

Washington House Bill 2323

","

https://www.washingtonstateable.com/assets/docs/washington-able-plan-disclosure.pdf

","Yes","Yes","","","","Yes","35","No","","Yes","$1.25 a month","Yes","50","35","$2.50","$1.25 per month","$3.53 to $3.70 on $1,000 investment per year. ","0","Free online statements","0","0","

The Washington State ABLE Program is modeled after Oregon’s ABLE Savings Plan, and was created with support of people with disabilities and those working with the disability community. It also partners with Sumday, a program manager that offers a fun, simple and intuitive online platform that helps people manage their ABLE accounts to reach their dreams. The ABLE prepaid card allows people easy access to their money and the ability to track their spending.

","

Fee to roll MI ABLE to another state plan: “$0 within Sumday family of ABLE plans
$50 to other ABLE plans”

WA state will lien ABLE account owner’s estate for medicaid recovery as required by the social security act.

",-nl-
"West Virginia","/state-review/west-virginia/","WVABLE","https://wvable.com/","Open for Enrollment","Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the BankSafe Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","Yes","Except required by federal law, for those estates, ages 55 and older, whose nursing home and/or community based services were paid by Medicaid.","Yes","West Virginia resident or tax payer may take a state income tax deduction equal to the total contributions to a WVABLE account for the year. Deductions for contributions are allowed for each designated beneficiary and excess deduction may be carried forward for up to five years.","

West Virginia H. B. 2902, known as the Achieving a Better Life Experience in West Virginia Act, establishes the rules for WVABLE

West Virginia H. B. 2902, known as the Achieving a Better Life Experience in West Virginia Act, establishes the rules for WVABLE.
1. HB. 2848 Effective May 30, 2019, per state law, WVABLE accounts are not subject to a 529A claim against the beneficiary of a WVABLE for total medical assistance paid after the establishment of an account by the West Virginia Department of Health and Human Resources.
However, the West Virginia Department of Health and Human Resources may recover payments from the estate of Medicaid beneficiaries only as required by the Section 1917(b) of the Social Security Act of WV Code §9-5-11c. Those impacted will be the estates, age 55 or older, whose nursing home and/or community based waiver services were paid by Medicaid. The estate recovery may include the remaining STABLE account funds. For more information on the West Virginia estate recovery process, please go to WV Recovery.

","

PLAN DISCLOSURE STATEMENT AND PARTICIPATION AGREEMENT

","Yes","Yes","","","","Yes","The current account maintenance fee is $42 annually, payable at $3.50 monthly.","No","","Yes","There are no added costs for the STABLE Card, a loadable prepaid debit card.","Yes","0","The current account maintenance fee is $42 annually, payable at $3.50 monthly.","NA","$0","$1.90 - $3.40 on $1,000 investment per year.","0","$10 annually (print/mail); $0 electronic","$0","$0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, West Virginia residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","

 West Virginia H. B. 2902, known as the Achieving a Better Life Experience in West Virginia Act, establishes the rules for WVABLE.

  1. B. 2848Effective May 30, 2019, per state law, WVABLE accounts are not subject to a 529A claim against the beneficiary of a WVABLE for total medical assistance paid after the establishment of an account by the West Virginia Department of Health and Human Resources.

However, the West Virginia Department of Health and Human Resources may recover payments from the estate of Medicaid beneficiaries only as required by the Section 1917(b) of the Social Security Act of WV Code §9-5-11c.  Those impacted will be the estates, age 55 or older, whose nursing home and/or community based waiver services were paid by Medicaid.  The estate recovery may include the remaining STABLE account funds.  For more information on the West Virginia estate recovery process, please go to WV Recovery.

",-nl-
"Wisconsin","/state-review/wisconsin/","NA","","Signed into law - program in development","NA","330,000","No","15,000","12140","NA","","NA","","No","","No","","Yes","Wisconsin residents may apply for state tax credit for any amount deposited into any other state's ABLE account.","

2015 Senate Bill 21 – 2015 WISCONSIN ACT 55

 

","","No","","","","","","","","","","","","0","","","","","","","","","

Wisconsin allows a state income tax deduction for contributions to ABLE accounts opened in other states.

","

ABLE was added to the Executive Budget Act of 2015 (SB 21) on 7/12/15.

IMPORTANT NOTE: AB 731 was introduced on 1/15/16.  This legislation repeals the Wisconsin ABLE Law but applies a state income tax deduction to ABLE accounts opened in other states. AB 731 passed Assembly on 2/16/16 and the Senate concurred on 3/16/16. It was signed into law on 3/30/16.

",-nl-
"Wyoming","/state-review/wyoming/","WYABLE","https://wyable.com/","Open for Enrollment"," Intuition ABLE Solutions, LLC","468,000","No","15,000","12140","Fifth Third Bank","4","Vanguard Group, Inc.; “Except to the extent of Federal Deposit Insurance Corporation (FDIC) insurance provided for the Debit/Checking Option, ABLE accounts will be subject to investment risks, including loss of the principal amount invested. ” ","Yes","No","Yes","No","","No","There is no state income tax for residents of Wyoming.","

Wyoming does not have state specific ABLE legislation

","

","Yes","Yes","","","","Yes","The current account maintenance fee is $42 annually, payable at $3.50 monthly.","No","","Yes","There are no added costs for the STABLE Card, a loadable prepaid debit card.","Yes","0","$42","NA","$0","$1.90 - $3.30 on $1,000 investment per year.","0","$10 annually (print/mail); $0 electronic","$0","$0","

STABLE Account is the national ABLE savings program administered by the Office of the Ohio Treasurer of State. Through its partner state model, Wyoming residents have access to a program that features the best customer service and offers ease of enrollment, unsurpassed website accessibility, an online portal to manage your account, some of the lowest investment management fees in the country, payroll deduction / direct deposit, and a loadable debit card with customizable spending controls and transactional recordkeeping.

","",-nl-


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