What do I need to open an account?
If you’re the Beneficiary of the account, make sure you have this information handy:
- Your email
- Your date of birth
- Social Security Number or Tax Identification Number
- Contact details
- Proof of eligibility
If you’re an Authorized Legal Representative, you’ll need your information (email, date of birth, Social Security Number or Tax Identification Number, contact details and work status). You’ll also need to know the Beneficiary’s eligibility information.
If the Beneficiary is not eligible for SSI or SSDI benefits, they need a signed Diagnosis Form from a licensed physician. You won’t need to provide it for registration, but the IRS or the Program may ask for it at any time.
Are there age restrictions to open an ABLE United account?
As long as the disability or blindness developed before the age of 26, there are no age restrictions. There are newborns who have an account, as well as individuals in their 80s.
If a Beneficiary is under the age of 18, they must have an Authorized Legal Representative (“ALR”) do it for them. 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. Learn more about the role of an ALR.
What are the fees?
There is no account maintenance fee. It is free to request a withdrawal via ACH or a check. If you choose to opt out of electronic statements, there is a $10 per year fee for paper statements.
There is a small investment fee that ranges between 0 and 29 bps (from $0 to $2.90 per year per $1,000 in the account). Additional fees may be assessed based on how you use the account.
If you choose to sign up for a prepaid card, there will be a $2.50 per month fee. Additional prepaid card fees may be assessed based on how you use your prepaid card.
Please see the Program Description & Participation Agreement for more information about fees.
Is there a minimum to open an ABLE United account?
In order to establish an account, a selection of an investment and/or saving option(s), a minimum contribution of at least $25 must be made. After that, you can add as little as $5 at any time.
Don’t forget: You’ll need bank login information, or account and routing numbers, to set up your online ABLE United account.
To open an account with a paper check, please use a paper Enrollment Form.
How do I add another ABLE United account?
If you’re an Authorized Legal Representative of more than one Beneficiary, you can open an account for a new Beneficiary from the account you currently administer in a few steps. Once you’re signed into ABLE United, look for the “Add an account” link in the upper right corner of the screen, or in the navigation on your mobile device. Click it and follow the steps to create a new account for a new Beneficiary.
Please note, a Beneficiary can only have one ABLE account at a time.
Can I open and/or manage more than one ABLE United account?
Each Beneficiary can only have one ABLE account open at a time. If you currently have an ABLE account with another state, it can be rolled over to Florida’s program, ABLE United, by using the ABLE to ABLE Rollover Form.
If you are an Authorized Legal Representative of one or multiple Beneficiaries, you can manage multiple accounts. See how to open additional ABLE United accounts.
Can I enroll and manage an ABLE United account with a paper form?
Yes, however the easiest and fastest way to enroll and manage an ABLE United account is online. If you want to use paper forms for enrollment or managing your account, you can find them on the Forms & Publications page.
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 account during the Beneficiary’s lifetime and must administer the 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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