ABLE United is Florida’s savings program for individuals with a severe diagnosis or disability.
Save While Maintaining Benefits
It’s built to help you save and invest money—tax-free—while still maintaining access to important benefits like SSI and Medicaid (for those who rely on them now or in the future).
Eligible to Florida Residents
If you’re a Florida resident with onset of a severe diagnosis or disability before age 46, you may be eligible to open an account at no cost — and take control of your finances with no monthly fees.
Benefits You'll Love
ABLE United makes it easy to save, invest, and spend—on your terms. Your account helps you grow savings, keep your benefits, and stay in control.
Tax-Free Growth
Earnings grow tax-free when used for qualified expenses.
Benefit Protection
Keep SSI, Medicaid, and other public benefits.
Total Flexibility
Save, spend, and manage your money the way you want.
How ABLE United Stacks Up
Feature
ABLE United
Checking/Savings Account
Special Needs Trust
Roth IRA
Tax-Free Growth
Yes
No
No
(typically taxable)
Yes
(with limits)
Protects Public Benefits
Yes
No
Yes
No
Easy Online Access
Yes
Yes
No
(often managed by trustee)
Yes
Use for Daily Expenses
Yes
Yes
Sometimes
(must follow trust rules)
No
(penalties for non-qualified use)
Investment Potential
Yes
No
Sometimes
(varies by trust setup)
Yes
Monthly Fees
No
Sometimes
(varies by bank)
Sometimes
(trustee / admin costs)
No
How It Works (At a Glance)
Saving with ABLE United is simple:
Open an account online for free
Add money
from you, family, or friends
Spend it on qualified expenses when you need it
An ABLE Visa® Prepaid Card give you access to your funds—anytime, anywhere.
Grow your savings and investments tax-free
What This Plan Offers You
This account is more than a savings and investment tool: it’s about freedom, security, and choice.
Independence
Manage your own money, your way
Financial Security
Save tax-free for the future while keeping benefit eligibility
Flexibility
Spend on the things that support your goals
Understanding the Basics
Annual Contribution Limit
You can save up to $20,000 a year - or more if employed. If you receive SSI, you can save up to $100,000.
Beneficiary
The person with the disability or severe diagnosis that the account is for.
Contributions
Money added to your account (by you or others).
Qualified Expenses
Things like housing, education, transportation, health care, assistive services and technology, job training, . Your account can even function like a Roth IRA or retirement account.
More on Qualified Expenses
Roth IRA
A retirement savings account where you contribute money you've already paid taxes on, and then your investments grow tax-free.
Special Needs Trust
A legal arrangement that holds assets for a person with a disability without jeopardizing their eligibility for essential government benefits like Medicaid and SSI, allowing them to receive supplemental care and quality-of-life goods they wouldn't otherwise qualify for.
Who Can Open an Account?
To be eligible for an ABLE account, the individual must:
Be a Florida resident.
Have a qualifying severe diagnosis or disability with onset before age 46.
Meet one of the following:
(1) Receive SSI or SSDI benefits.
(2) Have a diagnosis that meets the Social Security Administration's Blue Book definition.
(3) Obtain a signed diagnosis from a licensed physician.
Stay in control of your savings anytime, anywhere.
With our easy-to-use website and mobile app, you can:
Add or withdraw from your ABLE United account anytime—even request an ABLE Visa® Prepaid Card for easy access to your funds.
Check your balance and track spending
Update your personal info quickly and securely
It’s simple, safe, and built to fit your life.
My ABLE account gives me the freedom to not only plan for the future, but live my life today – on my terms.
Spencer
ABLE United Member since 2018
My ABLE account gives me peace of mind that I can still continue in the sport that I love, doing the things that I love and it's going to be there to support me.
Monica
ABLE United Member since 2020
Need Help or Want to Learn More?
We're here for you.
