Who can open an ABLE account?

ABLE accounts can be opened for eligible U.S. citizens and legal residents living in any state in the United States, regardless of whether the state has an ABLE program. 

An adult beneficiary with a qualifying disability can open and manage an Alabama ABLE account or have an Authorized Legal Representative (also known as an ALR) do it for them. 

If a beneficiary is under the age of 19, they must have an ALR open an account for them. An ALR must be anyone who is selected by the eligible beneficiary with legal capacity, anyone who has Power of Attorney, a conservator or legal guardian, a spouse, parent, sibling, or grandparent, or a representative payee (individual or organization), in that order of priority. Learn more about the ALR role here

Worth noting, as well, a beneficiary can have only one ABLE account at a time.