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Who owns the account?

If the account is for yourself, the money and funds are yours. If an Authorized Legal Representative, such as a parent or guardian, opened and manages the account for a beneficiary, the money still belongs to the beneficiary.

Can I close and transfer my ABLE for ALL Savings Plan to a different ABLE account?

Yes, but you can make only one rollover every 12 months. Use the ABLE plan’s rollover forms to start the process.

Can I transfer an existing ABLE account into my ABLE for ALL Savings Plan?

Yes, you can use the ABLE to ABLE Rollover Form to get started. Keep in mind that you can only make one rollover every 12 months. An ABLE account can also be rolled over to an eligible member of the family if the rollover happens before the death of the original beneficiary who opened the account.

Does my location matter?

Nope. A Hawai’i ABLE Savings Program account is available nationwide to eligible U.S. citizens.

What type of disabilities qualify for an account?
Any disability that qualifies for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) or blindness that developed before the age of 26 is eligible for an ABLE account. Some of the conditions recognized by the Social Security Administration that could qualify based on... Read more
Am I eligible for an ABLE account?

If you developed a disability or blindness before the age of 26 and are eligible for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) benefits, or have a signed Diagnosis Form from a licensed physician, you can open an ABLE account.

Who can have an account?
Anyone with an eligible disability or blindness (as defined by the Social Security Act) who was diagnosed before the age of 26 can have an ABLE account. If you’re over 18 years old, you can open your own account; if not, an Authorized Legal Representative can do it. Either way, you can have only... Read more
How do gifting limits work?
Gift contributions count towards your shared contribution limit for the year. Friends and family will be prevented from making gift contributions that go beyond the gifting limit you set, but gift contributions could also be capped by contributions you make. For example, if your gifting limit is... Read more
Who can contribute to my account?

Friends, family, and employers can make contributions to your account to help you reach your goals for an account. Learn more about how to make a gift contribution or simply use the Gift Form to get started.