Who can open an ABLE account for an eligible beneficiary?

An adult beneficiary with a qualifying disability can open and manage an ABLE account.

If a beneficiary is under the age of 18 or unable to open an account on their own, they must have an Authorized Legal Representative (also known as an ALR) do it for them. An ALR must be anyone who is selected by the eligible beneficiary with legal capacity, anyone who has Power of Attorney, a conservator or legal guardian, a spouse, parent, sibling, or grandparent, or a representative payee (individual or organization), in that order of priority. Learn more about the role of an ALR.

Worth noting, as well, a beneficiary can have only one ABLE account at a time.