Cody is always striving for independence.
She is employed at Bealls in Sarasota as a cashier and is also a senior at the University of South Florida studying Professional and Technical Communications. Born with Spina Bifida, she is determined to be both personally and financially independent, and her ABLE United account allows her to do just that.
Having first learned about ABLE United by attending the Annual Family Café event, which is the largest disability conference in the state, Cody was instantly drawn to the fact that she would be able to save without impacting her benefits.
As a Supplemental Security Income recipient, she is only allowed $2,000 in resources. But, with ABLE United, she is realizing her dreams – and because of her account and the ability to now save over $2,000, she is the proud owner of a bright red 2020 Toyota Corolla.
“Purchasing my first car was a big goal for me, and it’s something I otherwise wouldn’t have been able to achieve without my ABLE account,” she shared.
Cody is able to contribute leftover funds from her federal financial aid and the earnings from her job into her account to pay for everyday living expenses and save for the future. Her next goal? Saving to purchase her first home.
By not being defined by her diagnosis, she is breaking out of societal norms and sharing her talents and passions with others.
“I am living with no limits thanks to my ABLE United account,” explained Cody. “My hope is that the resource restrictions and income limits will be removed one day; but, for now, I have achieved financial freedom.”
Born and raised in Miami, Geno is a star athlete on the Special Olympics National Team representing Florida in softball. His infectious personality makes him a stellar teammate and friend.
At an early age, Geno was diagnosed with autism but that has not slowed him down. In addition to the medals he’s won during his time competing in the Special Olympics, he has also served as a Customer Service Representative at Publix for 12 years.
His mother, Shebah, often describes her son as “gregarious.” Shebah shared that he enjoys everything that the Sunshine State has to offer, including sports (his favorite team being the Miami Heat), fishing, and music.
To ensure Geno’s financial future, Shebah recently opened an ABLE United account. “Being a single mother, I understand how important his financial independence would be to improve his quality of life,” she explained.
Since the day he was born, Shebah has wanted the best for Geno and has worked hard to set him up for success.
“Even before his diagnosis, I wanted Geno to be an active member of the community, contributing his many talents, regardless of his career path or disability,” she shared.
As advocates of the savings program, Geno and his mother are teaming up as the newest ABLE United Ambassadors. “We are excited to share with others how ABLE United has helped set him up for success and truly achieve a better life experience,” Shebah said proudly.
Becky is a plant nursery assistant where she has been employed for more than 22 years. While she has been diagnosed with cerebral palsy, epilepsy, partial deafness and other mental disabilities, she has never let that hold her back.
“Our daughter Becky has several disabilities and challenges in her life – with her greatest challenge being her mental disability,” shared her mother, Sandra. “But that hasn’t stopped her! She has worked hard and is greatly admired at her job for her consistent attendance and eagerness to do anything asked of her.”
Becky also worked a second job part-time with the goal of saving enough money to buy a new house nearby. Due to COVID-19, she was furloughed and lost an estimated $160 per week in income.
Her mother, Sandra, first learned about ABLE United in 2017, and decided to help Becky open an account of her own. “In the beginning, she didn’t have much income to contribute but we are grateful to have been able to save even a small amount as it has helped her through this challenging time,” explained her mother.
With an ABLE United account, Becky has been able to save and begin developing a financial emergency fund – which she ended up needing sooner than she thought.
“They say you should have six months’ worth of income saved to survive the ‘hard times’,” shared Sandra. “Maybe poor health or loss of a job or a natural disaster – whatever it is, you need the security of knowing you can pay your bills and put food on the table, especially if you don’t have family to help.”
When Becky retires, she will need far more than what she currently has saved. Her mother explained, “It is never too early and no amount is too little to contribute and start saving.”
Olivia and her twin sister, Adrianna, were born five weeks early, each weighing a little more than five pounds and no indication of disability. It wasn’t until Olivia was four months old that her parents, Tara and Jason, realized something wasn’t right.
The prognosis continued to be unclear until she was 18 months old and was formally diagnosed with cerebral palsy.
While Olivia has faced challenges over the years, now at the age of 21, she is a vibrant and passionate young woman. “She is almost always smiling,” said her mother, Tara. She loves music, planning her schedule, cooking with family – and most importantly, theater.
In 2017, the family learned about ABLE United from an organization called Let’s Cure CP.
“As I researched this amazing savings plan, I knew that it was an opportunity to invest for Olivia’s future life expenses,” explained Tara.
Today, Tara helps Olivia manage her finances and she deposits a portion of her monthly SSI income into her ABLE United account. They primarily use her account for saving for the future but have withdrawn money for items such as furniture for her apartment, as well as therapy.
“I opened her account on her behalf, so that she is able to save and invest, simply and cost effectively, with little maintenance or fees,” shared Tara, who recently became an ABLE United Brand Ambassador.
Her mother also shared, “My hope is that this account will continue to grow over the years, as well as give her flexibility and peace of mind as she lives her best life!”
Samantha, a 32-year-old with cerebral palsy, devotes her time to advocating on behalf of others with disabilities and making meaningful connections with non-profit organizations in Tampa that foster this community’s independence.
She is currently involved with three organizations, including Self Reliance, a Center for Independent Living. The center focuses on teaching life skills that are necessary for youth transitioning out of high school to live independently in their community just like Samantha did.
She is also involved with The Grow Group and All People’s Life Center. In her spare time, she participates in adaptive sports, including: golf, waterskiing, para-badminton, kayaking and will be starting archery soon.
“Most of these sports I plan on playing competitively on a paralympic level in the near future,” she said.
Samantha’s most recent role is as an ABLE United Brand Ambassador where she shares with others how ABLE United has helped her achieve a better life experience.
“My disability benefits are just not enough to cover all living expenses, let alone ones related to a disability. When I first opened an ABLE United account, it was only meant to be a savings account,” she shared. “The plan was to deposit 10 percent of every paycheck automatically – I didn’t want it to be an account that was used frequently to pay for everyday expenses.”
But that changed as less than a year after Samantha opened her account, her health declined unexpectedly. Through her extensive search for resources that would assist her with daily living activities, she soon realized how important Medicaid was as unexpected doctor visits and hospital admissions were becoming the new “normal”.
“Retaining my Medicaid is essential to my health and can be a matter of life or death. The new purpose for my ABLE United account is to deposit all my wages once I return to the workforce within the next few months,” Samantha said. “For that to be possible a Smart Drive wheelchair and other assistive technologies must be purchased, as well as a wheelchair accessible van and its conversion.”
These “big ticket” items will make it possible for her to live a productive and independent life. “Having an ABLE United account makes this all possible,” she explained.
At 15-years-old, Sean is as big as a star.
He has been active in different activities over the years, but his real passion is singing and dancing. He has been in a many musicals and plays where he has memorized lyrics, choreography and speaking parts. His mother, Michelle, explains, “Sean brings great joy to those around him, whether he’s performing or simply by talking to a new acquaintance.”
“I first learned about ABLE United from a friend, but it wasn’t until I attended Family Café that I really got to understand the benefits of having an account,” said Michelle.
Currently, the family is using Sean’s account as a tax-free option to save for his future, but they are also planning to use it alongside his Special Needs Trust. “Sean’s ABLE United account allows us to pay for some items that he can’t with his trust – we’ve found that they work together nicely.”
Most importantly, his account will allow him to save his own money without jeopardizing his benefits that help cover medical services.
“Sean has great potential to live a fulfilling life in the future with help from family, friends and his ABLE United account,” said Michelle.
Thank you for all those who stopped by our booth or attended our break out sessions. Below you will find the presentations given at The Family Cafe 2019.
We are excited to be participating in the Annual Family Café for the fourth consecutive year!
Do you have questions about ABLE United? Are you interested in opening an account?
Stop by our booth on Friday and Saturday during exhibit hours to meet with one of our representatives. But, wait, it gets better: we will be onsite helping to enroll qualified individuals into their accounts!
Besides packing some clothes and toiletries, here’s what you’ll need to bring to start an ABLE United account:
- Valid Email address
- Personal identifying information for account owner, and if necessary, Authorized Legal Representative:
- Name, Address, Date of Birth
- Social Security Number
- Category of disability with onset before age 26 – we will provide category descriptions in the application to guide you
- Relationship to beneficiary
We hope to see you there!
At five years old, Natalie has proven to be a brave little warrior time and time again. At just two weeks old she was diagnosed with sickle cell anemia – hemoglobin SS (HbSS), the most severe type of sickle cell. Natalie’s first blood transfusion was July 2014, a few months shy of her first birthday. To date, she’s had nearly 40 transfusions with a dozen hospitalizations (including a surgery to have her spleen removed).
“Being a mother to a child with sickle cell anemia is the most difficult job in the world,” said Jessica. “There are many sleepless nights from pain and fever and trying to manage symptoms at home to avoid another hospitalization. The worst feeling in the world for any mother is the feeling of helplessness experienced when you cannot help your child.”
Jessica first heard about ABLE United through her past work experience as a waiver support coordinator with the Agency for Persons with Disability.
“I loved the idea of being able to save money for Natalie’s future and not lose our benefits,” she explained.
“Our ABLE United account allows us to have a “rainy day” fund because when Natalie gets sick and is hospitalized as she was this past week, I miss out on work. But, thanks to her ABLE United account, we are still able to ensure that the bills are paid.”
In her spare time, Jessica works to advocate on behalf of her daughter by speaking to other parents who have children with different variations of sickle cell, as well as turning to social media to help raise awareness for the need of advanced research.
Earlier this year, Jessica also became an ABLE United brand ambassador to share with other parents and caregivers the benefits of an account.
“My hope for Natalie’s future is that she is able to save with ABLE United and be able to go to college and pursue whatever career she wants,” she said. “Her current dream is to be a pediatrician when she grows up!”
When you ask Samantha Short what she’s most excited about right now – her answer is becoming a “dog mom” this upcoming May. The Miniature Goldendoodle will be trained as a service dog to help detect seizures due to her epilepsy diagnosis.
“Sam has been able to live independently over the past year and a half thanks to ABLE United,” said her mother, Tracey. “We’ve been saving since the day we opened her account for her first house – one with a big yard so her service dog has plenty of room to run and play.”
In 2018, Samantha passed the Florida childcare training requirements in order to receive her Child Development Associate credential and obtain a job with a childcare facility in her hometown of Clearwater.
“My biggest wish for her is that she will have the opportunity to obtain all of the life skills she needs for independence,” said Tracey. “But most of all, happiness.”
Most recently, she is training to be a certified dog walker at the Humane Society and also works at their Holiday Kid’s Camps where she educates children on proper animal care and handling – all of which provide a paycheck that gets deposited into her ABLE account.
“Each penny saved is a penny earned,” Tracey explained.
Due to Samantha’s seizures, she’s unable to drive a car, so the Short family is also putting money away to buy a golf cart.
ABLE United provides opportunity for young woman to give back to community
At the age of 18, Faith-Christina Duncan is proof that individuals with disabilities can succeed – she is not only an ambassador with the Best Buddies program in Central Florida, but also plays an important role with the Down Syndrome Association’s local chapter. For more than five years, she has made and donated baby blankets and burp cloths for parents with newborn babies who have been diagnosed with Down syndrome.
“This gives the parents hope of what their child can and will do in the future,” said Nancy-Carole Duncan, Faith-Christina’s mother. “We utilize her ABLE United account to save funds, so she can continue to purchase fabric and materials for these endeavors that she is so passionate about.”
Faith-Christina’s work is also on display on the walls of the Best Buddies Orlando and the Down Syndrome of Central Florida offices.
“We utilize her ABLE United account to save funds, so she can continue to purchase fabric and materials for these endeavors that she is so passionate about.”
In addition to saving for her passion projects, she is using her ABLE account to save for the future, so she can live independently of her parents. In May, she will graduate from high school and plans to attend Valencia College, where she hopes to receive her Bachelor of Science degree in American Sign Language.
“Attending college also comes with a price,” said Nancy-Carole. “We continue to put money into her ABLE account and watch it grow tax-free.”
The Duncans plan to utilize funds saved in the account to pay for their daughter’s college tuition and books.