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February 20, 2019

Who can open an ABLE United Account?

The individual with a disability (“Beneficiary”) must be a Florida resident at the time of application and have a qualifying disability with onset prior to age 26. If the Beneficiary is able and chooses to exercise signature authority over the Account, they are also the Administrator.

If the Beneficiary is under 18 or is unable, or chooses not, to exercise signature authority over the Account, then “Administrator” refers to an Authorized Legal Representative (“ALR”).

An ALR is a Custodian for the Beneficiary, such as an individual selected by the Beneficiary, or the eligible individual’s agent under a power of attorney, conservator or legal guardian, the spouse, a parent, a sibling, a grandparent, or a representative payee (whether an individual or organization) appointed by the Social Security Administration (SSA), in that order. It is noted that the representative payee is subject to all applicable SSA rules. The ALR may neither have, nor acquire, any beneficial interest in the ABLE Account during the Beneficiary’s lifetime and must administer the ABLE United Account for the benefit of the Beneficiary. Learn more about the ALR role.

Please note, a Beneficiary can only have one ABLE Account at a time.


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  • Overview
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  • Opening an Account
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The information contained in this website is for general information purposes only and does not constitute tax or investment advice. Performance of the program discussed herein is not guaranteed and is subject to market conditions, among other things. Carefully consider objectives, risks, charges and expenses before investing. As with any investment, it is possible to lose money by investing in this program. Please read the Program Description and Participation Agreement carefully.

The ABLE Visa Prepaid Card is issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to a license from Visa U.S.A. Inc. This card can be used everywhere Visa debit cards are accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. True Link Financial, Inc. is required to periodically report certain Card information to the Visa Prepaid Clearinghouse Service (PCS) to assist in fraud prevention. Please contact PCS Customer Service for details regarding the information reported and on file with PCS. PCS Customer Service Department’s business hours are Monday – Friday, 9:00 a.m. – 5:00 p.m. Eastern Time. Visa Prepaid Clearinghouse Service Customer Service Department 5005 Rockside Road, Suite 600-27 Independence, OH 44131 PH Phone 1-844-263-2111 Fax 1-844-432-3609
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