What does eligible mean?

The test for determining eligibility for an ABLE account is found in Section 529A of the Internal Revenue Code. 

To be eligible, the onset of the disability must be before age 26.* 

A person who is entitled to benefits such as Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) or provides a “disability certification” is eligible. 

If you meet the age criteria and are already receiving benefits under SSI and/or SSDI, you are eligible to establish an ABLE account. 

*The ABLE Age Adjustment Act has been passed, expanding the eligibility age from 26 to 46, beginning January 1, 2026.