Financial professionals can play an important role in supporting clients who are living and working with a disability—or who have a loved one with a disability. 

The U.S. Census estimates that, as of 2022, about 44 million American civilians are living with a disability. Some conditions are progressive, meaning future expenses may significantly increase over time. Others may involve emerging treatments or therapies that are not yet covered by insurance.

Saving for disability-related expenses can be complex and highly individualized. By understanding the available options and addressing common concerns, financial professionals can help clients build both financial security and independence.

Achieving a Better Life Experience (ABLE) accounts, such as those offered through ABLEnow, allow eligible individuals to save for qualified disability expenses without jeopardizing their eligibility for certain public benefits. With built-in flexibility and tax advantages, an ABLE account can be a valuable addition to any comprehensive financial plan.

For strategies on how to talk with clients about saving for a disability, read the full article in ThinkAdvisor, published in March 2025.