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What does eligible mean?

The test for determining eligibility for an ABLE account is found in Section 529A of the Internal Revenue Code. 

To be eligible, the onset of the disability must be before age 26. 

A person who is entitled to benefits such as Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) or provides a “disability certification” is eligible. 

If you meet the age criteria and are already receiving benefits under SSI and/or SSDI, you are eligible to establish an ABLE account. 

In 2022, the U.S. Congress passed the ABLE Age Adjustment Act. This legislation increases the age of onset for a qualifying disability from age 26 to age 46 effective January 1, 2026, opening the door for many more people to qualify for ABLE accounts.

Learn more about the ABLE Age Adjustment Act

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Sign up and start saving

Once you are ready to open an account, you can do so here online. When opening an Alabama ABLE account, be sure to have information about the beneficiary, qualifying disability, and how the ABLE account will be funded. Learn more about who can open an account and all the benefits of having one — or if you’re ready to get started, open one today!

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Have specific questions?

Here are a few ways to get answers: Give us a call Monday through Friday, at 1-833-711-2253 from 8am-7pm CT, use our Live Chat feature in the bottom right of your screen (when available), or browse Frequently Asked Questions.

Individuals with speech or hearing disabilities may dial 711 to access Telecommunications Relay Service (TRS) from a telephone or TTY.

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