It’s more than just saving.
It’s investing for a better life.

Our goal is to provide the tools you need to achieve financial empowerment and help prepare for a more independent and secure future through a simple, intuitive online saving opportunity.

For too long, people with disabilities could not save for the future out of fear of losing needed government benefits. The disability community fought long and hard to change this, and together we’ve come up with a solution.

Hawai’i ABLE is proud to be part of the ABLE for ALL Savings Plan network, a national savings program administered by the State of Oregon. ABLE for ALL provides tax-advantaged savings accounts for individuals and their families and allows you to save for qualified disability expenses, invest for future needs, and keep the benefits you rely on every day. Hawai’i ABLE is excited to now offer these benefits to all eligible Hawai’i residents.

Furthermore, to ensure savers have access to reliable services and features that are ADA-compliant, the ABLE for ALL Savings Plan network is partnered with Sumday, as the program’s plan manager. Sumday’s intuitive online platform is simple to use and helps people manage their ABLE accounts to reach their dreams.

A group of friends relaxing in the park

Are you eligible?

Any U.S. citizen who developed a qualifying disability before the age of 26 is eligible for an account. If someone can’t open an account themselves, an Authorized Legal Representative (also known as an ALR) can do it for them.

An ALR must be able to demonstrate that they have been designated as the Power of Attorney, Legal Guardian or Conservator for the beneficiary. If the beneficiary is under the age of 18, the ALR can also be a parent.

Mountains of Hawaii

What are the ABLE benefits?

You can save and invest up to $15,000 a year for a wide range of eligible expenses. The account’s growth is tax free and your contributions may qualify for a state income tax deduction.

Best of all, your benefits won’t be affected, including your Supplemental Security Income (SSI) as long as the account stays below $100,000. Other benefits are not affected regardless of the amount saved in the account.

You’ll also have access to our network of established partners in the disability community for more support in reaching your financial goals.

Lush Hawaiian landscape

How does it work?

The account can be managed online, so it’s easy to access, contribute, or withdraw money; even friends and relatives can add to the account. It’s never been easier to save and invest for your future.


What qualifies as an eligible expense?

The money from the account can be used for everyday needs or an unexpected turn of events. The eligible expenses are geared towards improving health, independence, and quality of life and include:

  • Living expenses

  • Education

  • Housing

  • Transportation

  • Employment training and support

  • Assistive technology

  • Personal support services


  • Health, prevention, and wellness

  • Financial management

  • Administrative services

  • Legal fees

  • Oversight and monitoring

  • Funeral and burial

Jars filled with saved coins


What makes us special?

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 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.

Hawai’i has partnered with ABLE for ALL to offer eligible citizens of Hawai’i access to the nationwide ABLE for ALL program. To help ensure that Hawai’i ABLE participants can rely on a variety of features and services, ABLE for ALL has partnered with Sumday as program manager. Sumday offers a fun, simple, and intuitive online platform that helps people manage their ABLE account to reach their dreams.