Qualified Expenses
What Can You Use Your Savings For?
From everyday needs to big plans, your ABLE account can help cover what matters most.
Your ABLE United account is built to help you live life on your terms —however that looks. Qualified Disability Expenses (QDEs) are any expenses that help improve your health, independence, or quality of life.
Common Qualified Expenses
If the money in an ABLE United account is spent on one of the following Qualified Disability Expenses, as defined by federal law, the earnings on the money withdrawn are tax-free.
Housing
Housing is one of the most common ways people use their ABLE account funds. Whether it’s rent, mortgage payments, utility bills, or home repairs—these are all qualified expenses.
Health & Medical
From doctor appointments and prescriptions to equipment or therapies, your ABLE account is a great way to save and pay for health-related needs—planned or unplanned. You can even use it for insurance premiums.
Assistive Technology
Devices and services that assist daily living
Daily Living Expenses
Food and clothing
Education
Tuition, books, tutoring, and related expenses
Employment Support
Job training, coaching, and related services
Financial Management
Budgeting assistance and financial planning services
Funeral & Burial
End-of-life expenses
Legal Fees
Expenses related to establishing a trust, guardianship or starting a small business
Oversight & Monitoring
Services that ensure the well-being of the beneficiary
Personal Support Services
Services that aid in daily activities
Transportation
Public transit, vehicle modifications, and ride services
More About QDEs
These categories are not exhaustive.
If the expense is tied to your severe diagnosis or disability and helps you live a fuller, more independent life, it counts as a qualified expense. The expense should benefit the individual that owns the account.
Keep your receipts and documentation for all eligible expenses for IRS purposes.
We don’t need proof of your expenses, but you should have it for your records.
If you sign up for an ABLE Prepaid Card:
You can review and manage your card activity from your online account. This will help keep track of your purchases, but you should still save your receipts.
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