Program Name: The Attainable Savings Plan (click to open an account)
Status: Open for Enrollment
State Program Manager: Fidelity MEFA -
State Account Limit: $400,000
Accepts Out Of State Residents: Yes
Annual Contribution Limit: $15,000
ABLE To Work Act Contribution: 12140
Number Investment Options: 8
Program Investment Institution(s): Fidelity Investments: “ABLE accounts will be subject to investment risks, including loss of the principal amount invested.”
Debit Card Or Prepaid Card: Yes
Withdrawal Hold Rules: Yes
State Income Tax Deduction: No.
FDIC Insured: No.
ABLE Legislation:



Account Disclosure Document(s):

Account Disclosure Document

Additional Information:

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.


Program at a Glance

  • Is there an initial minimum contribution requirement to open an ABLE account? If so, how much?
  • Is there a required minimum contribution to your account? If so, what is the amount?
  • Is there an annual set fee to maintain the account? If so, how much?
  • Are there fees or restrictions to the number of disbursement you are allowed? If so, what are they?
  • Is there a “debit card/purchasing card” available with the program? If so, what is the added cost?
    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."
  • Can I roll over my ABLE account to another ABLE program? If so, what is the fee to do so?
    Yes. $0.
  • Fee Range
    • Annual Maintenance Fee:
    • Check Fee:
    • Debit Card Fee:
    • Investment Option Fee Range:
      $5.70 to $9.30 on $1,000 for one year See state's ABLE Plan Disclosure Documents and Investment Performance Report for detailed information.

      Account Disclosure Document

    • ABLE Account Transfer Fee:
    • Withdrawal Transaction Fee:
  • Are there other characteristics unique to your program?

    Open 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 disability-related expenses and access your money whenever you need it.”

The Attainable Savings Plan (click to open an account)
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