The Age Adjustment Act

Since 2016, ABLE United accounts have allowed Floridians with disabilities and severe diagnosis to save and invest for their day-to-day needs and the future.

For many, ABLE accounts allow individuals to save while protecting their public benefits, like Supplemental Security Income (SSI) and Medicaid, and for others it is a smart way to save tax-free and prepare for future expenses.

ABLE accounts were originally created for individuals whose disability occurred before age 26. But 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. This means an estimated six million more people in the disability community, including over one million veterans, will be empowered to save and spend tax-free for day to day, as well as future expenses.

The new age threshold includes anyone with a severe diagnosis, disability, or condition from events that frequently occur later in life, such as:

• Multiple sclerosis (MS)
• Traumatic brain injury
• Spinal cord injuries
• Post-traumatic stress disorder (PTSD)
• Lupus
• Hearing and vision loss
• Service-connected disabilities among veterans

If you or someone you care for will qualify for an ABLE account under the new age guidelines, we will provide updates, resources and support to help you get started.

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