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  • Terms & Conditions

    Terms and Conditions Hawai’i has partnered with the State of Oregon and their ABLE for ALL Savings Plan to offer a great savings experience to Hawai’i residents. Any personal information about citizens will be collected only to the extent necessary to provide the service or benefit desired; only...

  • What are the fees?

    There are some fees to keep the account up and running. The annual flat fee is $35, plus an annual administration fee of 0.30% of the account’s balance and fees for the investment option.  Additional fees are added based on how you use the account: $10 per year for paper statements when you choose...

  • What can I use the card for? Can it be used for automatic, reoccurring charges?

    You can use your prepaid card anywhere Visa cards are accepted, including online bill-pay. Your card can be used for a number of everyday living expenses geared toward improving your health, independence, and quality of life. The list includes, but is not limited to: Reoccurring charges like...

  • What do I need to do with my IRS Form 5498-QA form?

    Keep this form in your records for future reference. You're not required to file it with your tax return.

  • What do I need to open an account?

    Make sure you have this information handy: Your email; Your birthday; Social Security Number or Tax Identification Number; Contact details; and Proof of eligibility. If you’re an Authorized Legal Representative, you’ll need the same information as the beneficiary’s, plus your work status. If...

  • What happens after the death of a beneficiary? Is there a Medicaid payback?

    In the event of the death of a beneficiary, the funds from their ABLE account can be used by his or her estate to repay any outstanding eligible expenses or funeral and burial costs. If the beneficiary was receiving Medicaid benefits, Medicaid can file a claim for a payback upon the beneficiary’s...

  • What happens if I no longer want to have an online gifting page for my account?

    No problem. You can delete it any time you want, and the contributions that have previously been gifted (including pending contributions) will stay in the account. Just sign in to your account, go to the Overview tab, and click on the gifting module. Select “Edit this page” and then click “Delete...

  • What happens if I try to spend more than what is on my card?

    If there are not enough funds on the ABLE Visa® Prepaid Card to cover a purchase, the transaction will simply be declined. There are no overdraft fees whatsoever.

  • What happens if I withdraw money for a non-eligible expense?

    You’ll have to pay taxes on any non-eligible expense, plus a 10% penalty on the earnings portion of the withdrawal. A withdrawal used for non-eligible expenses could affect your eligibility for Supplemental Security Income (SSI) benefits, Medicaid, or other much needed benefits under federal or...