The National Disability Institute estimates that more than 14 million people in the United States may qualify to open an ABLE account. This includes more than eight million individuals who were previously eligible and an estimated six million additional people who became newly eligible on January 1, 2026, under the ABLE Age Adjustment Act.

So what makes someone ABLE eligible? The federal ABLE Act establishes two requirements: an age restriction and a disability determination.

Age Requirement

As of 2026, an individual qualifies for an ABLE account if the onset of their disability occurred before age 46. This is a significant change from the previous age limit of 26.

ABLEnow account owners span all ages. Many customers were born with their disability or diagnosed early in life. Others developed a disability as adults due to injury, illness or chronic health conditions. The key factor is when the disability began. If symptoms or diagnosis occurred before age 46, the individual may qualify to open an ABLE account.

Disability Determination

In addition to meeting the age-of-onset requirement, an individual must have a qualifying disability. Physical, intellectual and mental disabilities may all qualify.

If you receive Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) based on blindness or disability, you are automatically eligible to establish an ABLE account.

Others may open an account by self-certifying that they have a qualifying disability and a signed diagnosis from a qualified physician. You do not need to submit a diagnosis to open an ABLEnow account, but documentation must be readily available if requested during an audit. This optional Physician Diagnosis Form (pdf) can help you keep a written diagnosis for your records.

What This Means for You

With expanded eligibility now in place, more people can access the flexibility and independence an ABLE account provides. If you think you may qualify, consider opening an ABLEnow account or sharing this information with someone who could benefit. Increasing awareness ensures more people can take advantage of this important savings opportunity.

Information updated as of January 2026.