FAQs
Answers at your fingertips
You can scroll through the FAQs or click on a category below to scroll to that section of the page.
- ALR
- Benefits
- Contributions
- Eligibility
- General
- Gifting
- How it Works
- Linking Bank Accounts
- Opening an Account
- Prepaid Card
- Qualified Expenses
- Successors and Estates
- Tax Benefits
- Who owns the account?
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The account is owned by the beneficiary, regardless of whether they opened the account or it’s managed by an Authorized Legal Representative. The funds in the account belong to the beneficiary.
- Can there be more than one Authorized Legal Representative?
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There can only be one Authorized Legal Representative per account, but you can change an ALR by filling out a Change of Authorized Legal Representative Form.
- How do I know if I’m an Authorized Legal Representative?
- An Authorized Legal Representative is someone who is legally authorized under state and federal law to make decisions for the beneficiary. You’re an Authorized Legal Representative if you are selected by the eligible beneficiary with legal capacity, you have Power of Attorney, are a conservator or... Read more
- Who can open an ABLE account?
- An adult beneficiary with a qualifying disability can open and manage an ABLE account or have an Authorized Legal Representative do it for them. 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 anyone... Read more
- Can someone else access my account?
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To keep the account safe, don’t share your password or let someone else have access to your account, unless they are the Authorized Legal Representative. If you want to add, change, or remove the Authorized Legal Representative for the account, we have forms to help you with the process:
Add Authorized Legal Representative Form
- Do I have to file separate taxes for each ABLE account?
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If you’re an Authorized Legal Representative of more than one beneficiary, keep in mind that each beneficiary’s ABLE account is treated separately and will receive separate tax documents. Please consult your tax advisor for information about whether you need to file taxes for an ABLE account.
- Can I use the same login information if I have multiple ABLE accounts?
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Yes. If you’re an Authorized Legal Representative of more than one beneficiary (or yourself and a beneficiary), you will have one username (email) and password to log in to all the ABLE accounts you manage.
- How do I add another ABLE account?
- If you’re an Authorized Legal Representative of more than one beneficiary, you can open an account for a new beneficiary from your account in a few steps. Once you’re signed into your ABLE account, look for the “Add account” link in the upper right corner of the screen, or in the menu on mobile.... Read more
- Can I open and/or manage more than one ABLE account?
- Each beneficiary can have only one ABLE account open at a time. However, if you are an Authorized Legal Representative of one or more beneficiaries, you can manage multiple accounts. If you’re an Authorized Legal Representative of more than one beneficiary, you can open an account for a new... Read more
- 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... Read more