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• Can someone else access my account?

  To keep the account safe, don’t share your password or let someone else have access to your account unless an Authorized Legal Representative (ALR) is the manager. If you want to change the ALR for the account, give us a call Monday through Friday, at 1-844-394-2253 from 3am-2pm HST.

• Can there be more than one Authorized Legal Representative (ALR)?

  There can be only one Authorized Legal Representative (ALR) per account, but you can change an ALR by filling out a Change of Authorized Legal Representative Form.

• Contact Us

  We’re here to help Have questions? Get in touch. Give us a call Monday through Friday, at 1-844-394-2253 from 3am-2pm HST. Individuals with speech or hearing disabilities may dial 711 to access Telecommunications Relay Service (TRS) from a telephone or TTY. Email us For general inquiries, email...

• Do I get additional tax benefits if I contribute to multiple ABLE accounts?

  No, tax benefits for ABLE accounts and 529 plan accounts are aggregated for tax purposes by contributor, not by ABLE account or 529 plan. Anyone who contributes to one or more ABLE accounts or 529 plans with beneficiaries under the age of 21 can receive tax benefits up to the maximum allowable...

• 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.

• Do I have to pay taxes on my account?

  As long as the money in your ABLE account is used for eligible expenses, it won’t be counted as income for your state or federal taxes. If a purchase doesn’t qualify as an eligible expense, you’ll have to pay taxes and a 10% penalty on the amount. If you want to know more about the IRS regulations,...

• Do I use the same login information if I have multiple ABLE accounts?

  Yes, you have only one username (email) and password to log in to all the ABLE accounts you manage for either yourself or your beneficiaries.

• 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...

• Does my location matter?

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

• Does the Authorized Legal Representative (ALR) own the account with the beneficiary?

  Nope. No matter who opens the account, the beneficiary owns all the funds.