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Can I use funds to pay for housing or rent?
Yes, you can use money from an ABLE account for housing expenses. If you’re eligible for Supplemental Security Income (SSI), the money must be used within the month it was withdrawn so it doesn’t affect your SSI eligibility. Plus, having an ABLE account doesn’t affect other housing benefits, like... Read more
What qualifies as an eligible expense?
There’s a wide range of eligible expenses that cover most costs associated with living with a disability. Some of these include: living expenses, education, housing, transportation, employment, vacation, job training, career support, assistive technology, personal support services, health,... Read more
How can I use the money in my ABLE account?

You can withdraw money from the account and use it for eligible expenses which cover most costs associated with living with a disability. See the approved categories for more details about eligible expenses.

What kind of benefits do I get?
One of the main benefits of having an ABLE account is being able to save for eligible expenses and invest for the future in a tax-advantaged account. The account’s growth is tax-free and you may qualify for a state income tax deduction, depending on where you live. As long as your balance stays... Read more
What is the ABLE for ALL Savings Plan?
The ABLE for ALL Savings Plan is a plan available to U.S. citizens nationwide to help those living with eligible disabilities save for qualified expenses and invest for the future in a tax-advantaged account – without losing federal and state benefits (like SSI, SSDI, Medicaid, SNAP, TANF, HUD... Read more
What is the ABLE Act?
Millions of people with disabilities rely on public benefits and federal programs such as Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), Medicaid, and others for their living and basic needs, but even those benefits can be limiting. Those receiving much needed... Read more
Is Hawai’i ABLE different from ABLE for ALL?

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.

What is the connection between the Hawai’i ABLE Savings Program, ABLE for ALL, and the State of Oregon?
The Hawai’i State Legislature enacted chapter 256B, Hawai’i Revised Statutes, to allow for the establishment of the Hawai’i ABLE Savings Program. Chapter 256B allowed Hawai’i to partner with another state’s ABLE plan. After comprehensive research, an official Request for Proposal (RFP), and... Read more
Does having an account affect my other benefits?
Nope. You can keep federal and state benefits (SSI, SSDI, Medicaid, SNAP, TANF, HUD Assistance, Section 8, etc.) with an ABLE account. If you receive Supplemental Security Income (SSI), there is a $100,000 limit before funds start counting against your $2,000 asset limit. As long as the money... Read more
Do I have to file separate taxes for each ABLE account?

Each beneficiary account is treated separately. Every account is subject to a separate $18,000 annual contribution limit (or more if the beneficiary has earned wages for the year), and each ABLE account will receive separate tax documents.