Are there age restrictions to open an account?

As long as the disability or blindness developed before the age of 26, there are no age restrictions. There’s legislation proposed to raise that age, but for now you can’t open an account if the onset of your disability or blindness occurred after age 26.

An adult beneficiary can open an ABLE account for themselves. If a beneficiary is under the age of 18, they must have an Authorized Legal Representative (also known as an ALR) do it for them. An ALR must be able to show Power of Attorney or Legal Guardianship documentation, or be a parent of a beneficiary under the age of 18. Learn more about the role of an ALR.