ABLE Accounts

The Achieving a Better Life Experience (ABLE) Act allows qualified individuals and/or their families to create an ABLE savings account without impacting their eligibility for needs-based public benefits programs like Supplemental Security Income (SSI) and Medicaid.

As a national settlement planning firm, incorporating the use of ABLE accounts into settlement planning is an important expertise.  If you are an attorney representing a disabled client who is on Medicaid, or if you’re a mass tort lawyer settling an inventory of cases from which many of the clients may be on Medicaid, working with a settlement planner who understands ABLE accounts — and can advocate for your client in every state — is an important distinction.

An ABLE account can be established and used in conjunction with a special needs trust or by itself, giving the disabled person more flexibility in savings as well as spending.  As a resource to the disability community and their advocates, this page provides direct access to each state’s programs and some analysis about the major features included in most. Click here for a breakdown of the basics of ABLE accounts.


You do not need to create an account from the state administered plan where you live. Much like 529 plans, the states administering the plans allow out-of-state participants.