For too long, people with disabilities could not save for the future out of fear of losing needed government benefits. The disability community fought long and hard to change this, and together we’ve come up with a solution.

A Washington State ABLE account is a way to save for eligible expenses, invest for the future, and keep the benefits you rely on every day.

Not a Washington State resident?

A Washington State ABLE Savings Plan allows people with eligible disabilities to save for their everyday needs, invest in a tax-free account and prepare for the future without losing their state or federal benefits.

Are you eligible? 

Anyone living in Washington State who developed a qualifying disability before the age of 26 is eligible for an account. If someone can’t open an account themselves, an Authorized Legal Representative (also known as an ALR), can do it for them.

An ALR must be able to demonstrate that they have been designated as the Power of Attorney, Legal Guardian, or Conservator for the beneficiary. If a beneficiary is a minor, the ALR can also be a parent. 

What are the ABLE benefits? 

You can save and invest up to $15,000 a year (or more if the beneficiary is earning wages from employment) to use towards a wide range of eligible expenses. Also, the account’s growth is tax free.

Best of all, your benefits won’t be affected, including your Supplemental Security Income (SSI) as long as the account balance stays below $100,000. Other benefits are not affected, regardless of the amount saved in the account.

How does it work? 

An ABLE account can be managed online, so it’s easy to access, contribute, or withdraw money. Even friends and family can add to the account. It’s never been easier to save and invest for your future.

What qualifies as an eligible expense? 

The money from an ABLE account can be used for everyday needs or an unexpected turn of events. The eligible expenses are geared towards improving health, independence, and quality of life, including:

  • Health, prevention, and wellness

  • Financial management

  • Administrative services

  • Legal fees

  • Oversight and monitoring

  • Funeral and burial

  • Living expenses

  • Education

  • Housing

  • Transportation

  • Employment training and support

  • Assistive technology

  • Personal support services

  • Find out more

What makes our program special?

Our support team goes above and beyond with intensive training to help empower beneficiaries with information provided in a way that is most useful for that person.

We’ve partnered with Sumday, a program manager that offers a simple and intuitive online platform that helps people manage their ABLE accounts and reach their goals.

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