# ABLE United

> ABLE United is Florida's official ABLE program: a tax-advantaged savings and investment account for Floridians with disabilities. Account holders can save and invest without losing eligibility for SSI, Medicaid and other means-tested public benefits. The program is administered by Florida Prepaid.

Key facts (as of 2026):

- Eligibility: Florida residents with a qualifying severe disability or diagnosis with onset before age 46, lasting or expected to last at least 12 months, that causes significant functional limitations. Disability can be shown by receiving SSI or SSDI, by meeting the Social Security Administration's Blue Book definition, or by a signed diagnosis from a licensed physician.
- Opening an account: free to enroll, takes about 15 minutes online, $25 minimum to open, $5 minimum for later contributions. Each person may have only one ABLE account.
- Contributions: up to $20,000 per year from all sources (the account holder, family, friends, organizations and 529 rollovers). Account holders who work may contribute more through ABLE to Work. The maximum account balance is $500,000.
- Benefits: up to $100,000 in an ABLE account is excluded from the SSI $2,000 asset limit. Florida Medicaid does not file recovery claims against ABLE accounts.
- Taxes: contributions are not tax-deductible. Earnings grow tax-free when used for qualified disability expenses such as housing, health, education, transportation, assistive technology and everyday living costs.
- Investments: an FDIC-insured savings option, three managed portfolios (Conservative, Moderate, Growth) and four individual funds. Annual investment fees range from 0% to 0.29%. Investments can be reallocated twice per year.
- Fees: no account maintenance fee. The ABLE Visa Prepaid Card costs $2.50 per month.
- Support: 1-888-524-ABLE (2253), Monday–Friday, 9am–6pm ET. Florida Relay: dial 711.

## Getting Started

- [For Individuals](https://www.ableunited.com/getting-started/for-individuals): Overview and enrollment steps for people with disabilities opening their own account
- [For Caregivers](https://www.ableunited.com/getting-started/for-caregivers): How parents, guardians and caregivers can open and manage an account for someone else (as an Authorized Legal Representative)
- [For Professionals](https://www.ableunited.com/getting-started/for-professionals): Resources for financial professionals, case managers, educators and organizations that serve people with disabilities
- [Investment Options](https://www.ableunited.com/getting-started/investment-options): The FDIC savings option, managed portfolios and individual funds, with fees and risk levels
- [Maximize Your Savings](https://www.ableunited.com/getting-started/maximize-your-savings): Contribution strategies, including ABLE to Work and automatic deposits
- [Open an Account](https://connect.vestwell.com/signup/able-united): Online enrollment (hosted by Vestwell, the program's recordkeeper)
- [Account Login](https://able-united.vestwell.com/): Existing account holder login

## Eligibility

- [Eligibility Requirements](https://www.ableunited.com/eligibility/requirements): Full criteria for opening an account, including age of onset, disability documentation and Florida residency
- [Eligibility Quiz](https://www.ableunited.com/eligibility/eligibility-quiz): Short interactive quiz to check whether someone qualifies
- [Public Benefits](https://www.ableunited.com/eligibility/public-benefits): How an ABLE account affects SSI, Medicaid and other benefits
- [Veterans](https://www.ableunited.com/veterans): ABLE information for veterans with disabilities

## Using Your Account

- [How It Works](https://www.ableunited.com/usage/how-it-works): Saving, investing, contributing and withdrawing, plus online and mobile account management
- [Qualified Expenses](https://www.ableunited.com/usage/qualified-expenses): Which expenses count as qualified disability expenses
- [Prepaid Card](https://www.ableunited.com/usage/prepaid-card): The reloadable ABLE Visa Prepaid Card from True Link Financial for spending account funds
- [Gifting](https://www.ableunited.com/usage/gifting): How family and friends can contribute to an account

## Resources

- [FAQs](https://www.ableunited.com/resources/faqs): Answers to common questions about limits, fees, taxes, benefits, Medicaid recovery and 529 rollovers
- [Savings Basics](https://www.ableunited.com/resources/savings-basics): Financial literacy basics for saving and budgeting
- [Forms and Documents](https://www.ableunited.com/resources/forms-and-documents): Plan disclosure documents, program forms and fee information
- [Support](https://www.ableunited.com/resources/support): Phone numbers, mailing addresses, prepaid card support and how to book an appointment
- [Español](https://www.ableunited.com/espanol): Spanish-language information about ABLE United

## About

- [Why ABLE?](https://www.ableunited.com/about/why-able): Background on ABLE accounts and why Florida offers them
- [Leadership](https://www.ableunited.com/about/leadership): Program leadership and governance
- [Our Community](https://www.ableunited.com/about/our-community): Community partners, events and outreach

## Key Articles

- [ABLE Accounts vs. Special Needs Trusts](https://www.ableunited.com/resources/blog/posts/able-accounts-vs-special-needs-trusts): How the two planning tools compare and work together
- [ABLE Eligibility Expansion 2026: Who Qualifies and How to Enroll](https://www.ableunited.com/resources/blog/posts/able-eligibility-expansion-2026-who-qualifies-and-how-to-enroll): The ABLE Age Adjustment Act raised the age-of-onset limit from 26 to 46
- [2026 Contribution Limit Increase and ABLE to Work](https://www.ableunited.com/resources/blog/posts/2026-increases-account-contribution-limits-able-to-work): The annual limit rose to $20,000, plus how working account holders can save more
- [What Exactly Is a Qualified Disability Expense?](https://www.ableunited.com/resources/blog/posts/what-exactly-is-a-qualified-disability-expense): A detailed explanation of qualified expenses
- [How ABLE Accounts Protect Benefits](https://www.ableunited.com/resources/blog/posts/how-able-accounts-protect-benefits-while-building-financial-freedom): How savings stay protected from SSI and Medicaid asset limits
- [ABLE Accounts Not Subject to a Florida Medicaid Recovery Claim](https://www.ableunited.com/resources/blog/posts/able-accounts-not-subject-to-a-florida-medicaid-recovery-claim): Florida's policy on Medicaid recovery
- [Caregivers: ABLE and 529 Rollovers, Contribution Caps and Taxes](https://www.ableunited.com/resources/blog/posts/caregivers-able-529-what-you-need-to-know-about-rollovers-contribution-caps-taxes): Moving 529 college savings into an ABLE account
- [5 Myths About ABLE United Accounts](https://www.ableunited.com/resources/blog/posts/5-myths-about-able-united-accounts-and-the-truth-behind-them): Common misconceptions, corrected
- [How Organizations Can Manage ABLE Accounts for Their Clients](https://www.ableunited.com/resources/blog/posts/how-organizations-can-manage-able-accounts-for-their-clients): Guidance for agencies and organizations acting as representatives
- [The ENABLE Act: A Permanent Future for ABLE Accounts](https://www.ableunited.com/resources/blog/posts/the-enable-act-securing-a-permanent-future-for-able-accounts): Federal legislation that made key ABLE provisions permanent

## Optional

- [Blog: All Posts](https://www.ableunited.com/resources/blog/all-blog-posts): Full archive of news, member stories and planning articles
- [Blog: Faces of ABLE](https://www.ableunited.com/resources/blog/faces-of-able): Stories from ABLE United account holders
- [Blog: ABLE News](https://www.ableunited.com/resources/blog/able-news): Program announcements and updates
- [Professionals: What Financial Professionals Need to Know About the 2026 ABLE Age Adjustment Act](https://www.ableunited.com/resources/blog/posts/professionals-what-financial-professionals-need-to-know-about-the-2026-able-age-adjustment-act): A guide for advisors
- [Professionals: Step-by-Step Enrollment Guide for Organizational ALRs](https://www.ableunited.com/resources/blog/posts/professionals-a-step-by-step-enrollment-guide-for-organizational-alrs): How organizations enroll as Authorized Legal Representatives
- [Accessibility](https://www.ableunited.com/accessibility): Website accessibility statement
- [Privacy Policy](https://www.ableunited.com/privacy-policy)
- [Terms and Conditions](https://www.ableunited.com/terms-and-conditions)