On February 19, 2025, U.S. Senators Katie Britt and Eric Schmitt introduced the Ensuring Nationwide Access to a Better Life Experience (ENABLE) Act, Senate Bill 627. This critical legislation aims to make permanent several key provisions of ABLE accounts that were originally set to expire at the end of 2025.
We’re excited to share that recent legislation passed that included ENABLE Act provisions, securing the future of these important savings tools and expanding opportunities for individuals with disabilities and their families.
What’s Changing on January 1, 2026?
With the passage of the ENABLE Act, the following provisions – previously set to expire – have now been made permanent:
- Increased Contributions with ABLE to Work
Working ABLE account holders who don’t participate in an employer-sponsored retirement plan can continue to contribute above the annual contribution limit through the ABLE to Work provision – permanently extending this valuable saving opportunity. - 529 Plan Rollovers
Families can now permanently roll over funds from 529 college savings plans to ABLE accounts without penalty – providing continued flexibility for those who may need to repurpose education savings for disability-related needs. - Savers Credit for ABLE Contributions
ABLE contributions remain eligible for the Savers Credit, a federal tax credit that helps low- and middle-income individuals save for the future. The contribution cap for this credit has also increased from $2,000 to $2,100 starting in 2026.
What This Means for the ABLE Community
These ENABLE Act provisions mark a significant step forward in strengthening the financial future of individuals with disabilities. By eliminating sunset clauses on core provisions, the legislation ensures that ABLE account holders can continue saving with confidence – without losing eligibility for critical public benefits.
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