Eligibility Requirements
An individual with a disability may only have one ABLE account. There are three eligibility requirements for opening an ABLE United account.
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Eligibility Requirements
2. Qualifying Disability
The individual with a disability must meet one of the following criteria:
- Entitled to Supplemental Security Income (SSI) benefits;
- Entitled to Social Security Disability Insurance (SSDI) benefits;
- Have a condition listed in the “List of Compassionate Allowances Conditions” maintained by the Social Security Administration;
- Certify that the individual is blind within the meaning of Section 1614(a)(2) of the Social Security Act; OR
- Certify that the individual has a medically determinable physical or mental impairment that results in marked and severe functional limitations and that: (i) can be expected to result in death; or (ii) has lasted, or can be expected to last, for a continuous period of not less than 12 months.
For more information and a list of qualifying disabilities, please see the Social Security Administration Blue Book.
3. Disability Onset
The individual with a disability must be blind or have a disability which occurred before the individual’s 26th birthday.
Starting January 1, 2026, if the disability onset was before the person’s 46th birthday, they will now be eligible to open and benefit from an ABLE account.
Learn more about the age change coming soon.
