Keep Your Benefits While You Save
You shouldn't have to choose between building savings and keeping the benefits you rely on. With ABLE United, you don’t have to.
How It Works With Your Benefits
Here’s how your ABLE account can help you save while maintaining your benefits.
SSI (Supplemental Security Income)
You can save up to $20,000 a year until the balance reaches $100,000 in your ABLE account without affecting your SSI. After that, your SSI may pause — but your Medicaid will remain unaffected.
Medicaid
Your Medicaid is never affected, no matter how much is in your account.
SNAP, HUD & More
Most public benefit programs ignore your ABLE savings when looking at your income or assets.
Built-In Safeguards You Can Count On
Bottom line: You can save and still keep your benefits.
Save up to $20,000 a year, and $100,000 in total without affecting SSI
Withdrawals for everyday needs don’t count as income
Medicaid is always protected
Common Questions, Answered
What happens if my ABLE balance exceeds $100,000?
Your SSI may pause temporarily, but Medicaid and other support will remain intact. Your SSI can resume once the balance drops back below the limit. It is recommended to monitor the account to prevent this situation from occurring.
Do ABLE withdrawals count as income?
No! As long as you're using your funds for qualified expenses, they won’t be counted as income.
Can I use my ABLE account for housing without affecting SSI?
Yes—but timing matters. If you withdraw funds for housing, spend them in the same month to avoid any impact on SSI.
What if I receive SSDI instead of SSI?
Good news—SSDI eligibility isn’t affected by ABLE balances at all.
Need Help or Want to Learn More?
We're here for you.
