Dream. Plan. Succeed.

Tax-free treatment on earnings and withdrawals to pay for disability-related expenses.

Fiona Ma
Fiona Ma, CPA
California State Treasurer


With the passage of the federal ABLE Act, millions of Americans with disabilities have been empowered to reach a new level of control when it comes to achieving greater financial security. ABLE accounts are a new savings option that allow individuals, who became disabled before the age of 26, to save and invest in a tax-advantaged account, without jeopardizing their ability to collect SSI.

In the past, individuals with disabilities didn’t have the freedom or flexibility to keep money in their own name, receive an inheritance, or even save to purchase much needed assistive technology. That’s because saving for the future meant the possibility of losing eligibility for programs like SSI or Medi-Cal.

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News &

May 9
Crowne Plaza Hotel

5321 Date Avenue, Sacramento, CA 95841
10:30 AM - 11:25 AM

May 19
CalABLE Board Meeting

State Treasurers Office
915 Capital Mall, Room 587, Sacramento, CA 95814
1:30 PM - 3:30 PM

June 9-12
National Association State Treasurers

Portland , OR

ABLE Accounts video by IRS

Watch the ABLE Accounts video by IRS on YouTube

Open an Account

Opening an account is easy
with no paper forms.

Start Today

Who Is Eligible?

Individuals with a disability that occurred before age 26 are eligible to open a CalABLE account. If you meet this age of onset requirement, and receive benefits under SSI (Supplemental Security Income) and/or SSDI (Social Security Disability Insurance), you are automatically eligible to open a CalABLE account.

Learn more about
who is eligible

Plan Benefits

Earnings in your CalABLE account are 100% federal and California state tax-free. Withdrawals to pay for disability-related expenses are also federal and California state tax-free.

The assets in your CalABLE account, up to $100,000, will not affect your ability to receive state and federal benefits such as SSI (Supplemental Security Income) and Medicaid.

Learn more about
plan benefits

Qualified Expenses

Funds in a CalABLE account can be used for many different disability-related expenses, ranging from education, employment support, housing, transportation, assistive technology and healthcare.

A CalABLE account lets you save for emergency funds that can keep you independent and productive.

Learn more about
eligible expenses
CalABLE has teamed up with National Disability Institute (NDI) to provide you with additional resources to help you with your CalABLE account.
Are you:
  • Thinking about opening a CalABLE account?
  • Ready to open a CalABLE account?
  • Already using your CalABLE account?

NDI has tools and resources in its AchievABLE Corner to help you open and manage your CalABLE account, no matter where you are in the process.

National Disability Institute
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