What is ABLE to Work?

The ABLE to Work Act allows beneficiaries who are employed to contribute an amount equal to the Beneficiary’s compensation for the taxable year (up to a maximum of $15,060 in 2025) each year to their ABLE accounts in addition to the annual standard contribution limit of $19,000.

You can make an ABLE to Work contribution online or by using the Contribution Form.

Keep in mind that, if the beneficiary or their employer is contributing to a retirement plan, including a defined contribution plan (e.g. 401(k)), annuity plan (403(b)), or deferred compensation plan (457(b)) this calendar year, the beneficiary is not eligible to make ABLE to Work contributions.

Sign Up and Start Saving

Once you are ready to enroll, you can set up your account here online. When opening a Maryland ABLE account, make sure you have ready identifying information about the beneficiary, the qualifying disability, and how the ABLE account will be funded.

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Have specific questions?

Here are a few ways to get answers. You can contact us online, give us a call Monday through Friday, at 1-855-563-2253 from 9am-8pm ET, or you can browse frequently asked questions.

Individuals with speech or hearing disabilities may dial 711 to access Telecommunications Relay Service (TRS) from a telephone or TTY.

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