Thanks to the ABLE to Work Act, working ABLE account owners who do not participate in an employer-sponsored retirement plan may contribute above the annual ABLE contribution limit ($20,000 in 2026).

How Much More?

The additional ABLE to Work contribution is up to the lesser of:

1. the prior year’s federal poverty guideline for a one-person household ($15,650* in 2025 for the 48 contiguous states and the District of Columbia), or
2. the account owner’s compensation for the taxable year.

What does this mean? Working individuals may be eligible to save up to $35,650 ($20,000 contribution limit + the maximum possible ABLE to Work contribution*) in their ABLEnow account in 2026.

ABLE to Work eligibility was made permanent on January 1, 2026.

How to Contribute?

Once ABLEnow account owners have hit the standard contribution limit for the year ($20,000 in 2026), send additional ABLE to Work contributions by check along with the completed Contribution Form.

If you don’t have an ABLEnow account, enroll online today.