ABLE United

Prepaid Card


How It Works


Qualified Expenses


Opening an Account


Tax Benefits

How do I contribute or add money to my ABLE United Account?

Once your bank is connected, you can make contributions of at least $5 directly into your ABLE United Account at any time online. It’s easy and secure. You can also set up recurring monthly contributions of $5 or more.

Checks are also welcome if accompanied by a Contribution Form.

Make your check payable to ABLE United and mail it with the Contribution Form to:

ABLE United
P.O. Box 9696
Providence, RI 02940-9696

Keep in mind that there is a 5-business-day hold period on the amount of check contributions before those funds can be withdrawn.

How do I withdraw money?

You can make withdrawals of at least $5 from your Account online at any time. The money will be transferred to your bank account* or loaded to your ABLE Prepaid Card in 2-7 business days, depending on how the money is allocated.

If you want to withdraw more than $15,000 or you don’t have an online Account, you can request a Withdrawal Form by contacting customer service.

A check request can be made by using the Withdrawal Form. If your request is received in good order, the check should arrive by mail within 5-7 business days.

If you request a full withdrawal, your balance will be $0, and the Account will remain open until the end of the calendar year. After that, an Account with no balance may be closed by calling customer service.

Please note that contributions made by the Authorized Legal Representative or Beneficiary within the past 10 business days or gift contributions received within the past 20 business days will not be available for withdrawal.

* Bank accounts that have been connected to an ABLE United Account within the past 30 calendar days cannot be used for withdrawals.

What if I want to close my Account?

Simply give us a call and we’ll help you out. Reach us Monday – Friday, 9am – 6pm ET, at 1-888-524-2253, or 9am – 8pm ET at 1-844-888-2253 (TTY). We’ll be sad to see you go.

Once an Account is closed, a new Account can be created by completing registration again. To reopen an old Account, please call customer service.

Can someone else access my Account?

To keep the Account safe, don’t share your password or let someone else have access to your Account.

If you want to add, change or remove the Authorized Legal Representative for the Account, contact customer service Monday – Friday, from 9am – 6pm ET, at 1-888-524-2253, or 9am – 8pm ET at 1-844-888-2253 (TTY) for assistance.

Are contributions considered an asset?

Generally, money in an ABLE Account is not considered an asset for state and federal benefits purposes. However, Beneficiaries receiving Supplemental Security Income (SSI), can only have up to $100,000 in the ABLE Account before the funds start to count against the $2,000 asset limit.

Is there a Medicaid payback after a Beneficiary’s death?

The Florida Medicaid program may not file a claim for Medicaid recovery of funds in an ABLE United Account. Upon the death of a designated Beneficiary, funds in the ABLE Account must first be distributed for Qualified Disability Expenses, then transferred to the estate of the designated Beneficiary.

Federal law requires that each state recover Medicaid expenditures from a Medicaid recipient’s estate. Federal law also allows for a state to file a claim for Medicaid expenditures from an ABLE account. If the beneficiary received Medicaid in another state, please check the law of that state.

For more information on Medicaid estate recovery, visit Florida’s Medicaid Estate Recovery Program here. If a Beneficiary has passed away, the executor of his or her estate should complete a Death of Beneficiary Form.

What happens after the death of a Beneficiary?

In the event of the death of a Beneficiary, the funds from their ABLE United Account can be used by his or her estate to repay any outstanding Qualified Disability Expenses, including funeral and burial costs. If a Beneficiary has passed away and the personal representative of his or her estate is not the Authorized Legal Representative, the executor may submit a death certificate and a Certification that they are the personal representative and responsible for the proper disposition for the Account balance. The personal representative may complete a Death of Beneficiary Form in order to have the remaining balance sent to the Beneficiary’s estate.

Do I have to file taxes on an ABLE United Account?

Each ABLE United Account is treated separately, and each will receive separate tax documents. Please consult your tax adviser for information about whether you need to file taxes for an ABLE United Account. At the end of each year, you will receive a 5498-QA showing contributions and the establishment of an ABLE Account. If a withdrawal was made from the ABLE United Account, you will receive a 1099-QA showing the earnings and basis of the distributions.