ABLE eligibility expands to include millions more

Beginning January 1, 2026, ABLE eligibility expands to include people whose disability began before the age of 46 (instead of 26).

This means millions more Americans, including many veterans, have a new, tax-advantaged way to save for the future without risking critical government benefits.

Who’s eligible?

To qualify, an individual must have a disability that was present before age 46 with one of the following:

• Classified as blind (as defined in the Social Security Act)
• Entitled to SSI or SSDI because of the disability
• Have a disability that’s included on the Social Security Administration’s List of Compassionate Allowances Conditions
• Have a written diagnosis from a licensed physician documenting a medically determinable physical or mental impairment which results in marked and severe functional limitations, that can be expected to last for at least a year or can cause death.

Check out our eligibility quiz to see if you're eligible.

Why save with NY ABLE?

NY ABLE is a smart, flexible way to save and invest for disability-related expenses while protecting the essential benefits you depend on.

• Keep your benefits safe: Up to $100,000 in your NY ABLE account remains exempt from the SSI resource limit. Your Medicaid, SSDI, and other key benefits are not affected by your account balance.
• Enjoy valuable tax advantages: Earnings are tax-deferred and withdrawals for qualified disability expenses are completely tax-free.*
• Invest your way: Flexible investment options enable you to save for both short- and long-term needs. Choose from four risk-based portfolios ranging from conservative to aggressive, plus an FDIC-insured checking account option.

Enroll now

*Earnings on non-qualified withdrawals may be subject to federal income tax and a 10% federal penalty tax, as well as applicable state and local income taxes.