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CalABLE Supports Financial Security and Independence for People with Disabilities

What is CalABLE?

CalABLE is California’s tax-advantaged savings and investment plan for people with disabilities. CalABLE allows beneficiaries to save up to $19,000 a year in eight professionally managed portfolios, and investment earnings spent on qualified expenses are tax free. Additionally, beneficiaries who receive Supplemental Security Income (SSI) can save up to $100,000 while maintaining SSI benefits. Accounts can be opened and managed by the person with the disability or by their representative. With a CalABLE account, you can save for the future and prepare for a lifetime of financial independence.

CalABLE empowers

Individuals with disabilities and their loved ones can plan, save, invest, and spend with confidence. The ABLE Visa® Prepaid Card allows account holders to access funds anywhere, manage expenses, and set allowances.

CalABLE is flexible

Funds can be accessed at any time, and can be used for healthcare, education, housing, travel, technology, and other qualified expenses.

CalABLE protects SSI

SSI recipients can typically save only $2,000 without affecting benefits. However, federal law allows SSI recipients to save up to $100,000 in CalABLE accounts while maintaining eligibility.

CalABLE lets anyone contribute

Account owners can create a gifting page so family and friends can contribute easily online.

Who is eligible for CalABLE?

Eligible individuals:

  • Have a blindness or disability that began prior to age 26* (but the account can be opened at any age)

  • Have a social security number or tax identification number (US citizenship is not a requirement)

  • Have a US permanent address that is not a PO box

How eligibility is determined:

  • The beneficiary is eligible for SSI (Supplemental Security Income) or SSDI (Social Security Disability Insurance) based on blindness or disability

    OR

  • The beneficiary has a disability included in the Social Security Administration’s Listing of Impairments or list of Compassionate Allowances Conditions

Account holders can open an account on their own if they have legal capacity, or someone can open one for them as an Authorized Legal Representative (ALR). For more information about ALRs, please visit our ALR page.

*Beginning January 1, 2026, the age of onset requirement will increase to allow individuals with a disability that began before age 46.

How much does it cost to open an account?

There is no fee to open an account – accounts can be opened with an initial contribution of at least $25. [MC1]

How can I learn more about CalABLE?

More information about CalABLE can be found online, including information about fees and expenses. Please note that the CalABLE program disclosure statement and account portal are currently available only in:

  • Español

  • 中文

  • 한국어

  • Русский

  • Italiano

  • Português

  • Français

  • Polski

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Sign up and start saving

Once you are ready to enroll, you can set up your account here online. When opening a CalABLE account, make sure you have ready identifying information about the beneficiary, the qualifying disability, and how the CalABLE account will be funded.

Create your account

Events

Find out about the upcoming events for CalABLE.

View events

Still have questions?

You can contact us online, give us a call Monday through Friday, at 1-833-225-2253 from 6am–5pm PT, or you can browse frequently asked questions.

Individuals with speech or hearing disabilities may dial 711 to access Telecommunications Relay Service (TRS) from a telephone or TTY.

Go to FAQs

Consider the investment objectives, risks, charges and expenses before investing in the California 529A Qualified ABLE Program (CalABLE Program). Please call toll-free 833-Cal-ABLE (833-225-2253) or read our Program Disclosure Statement (PDF) containing this and other information. Read it carefully.

Before investing in any ABLE program, you should consider whether your home state provides its taxpayers with favorable state tax or other benefits that are only available through investment in the home state's ABLE program. You also should consult your financial, tax, or other adviser to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to directly contact your home state's ABLE program, or any other ABLE program, to learn more about those plans' features, benefits and limitations. State-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

The CalABLE Program is offered by the State of California. Vestwell State Savings LLC is the program manager. Vestwell Advisors LLC is the investment advisor registered with the Securities and Exchange Commission.

None of the State of California, its agencies, Vestwell State Savings LLC or Vestwell Advisors LLC nor any of their applicable affiliates insures accounts or guarantees the principal deposited therein or any investment returns on any account or investment option, and you may lose the principal amount invested. They also do not provide legal, financial, tax, or investment advice to any individual. The FDIC-Insured Portfolio is FDIC-insured up to $250,000, subject to certain restrictions. Interests in the CalABLE Program are not registered with or in any way approved by the Securities and Exchange Commission or by any state securities commission.

The Plan Web site is for informational purposes only, and does not constitute an offer to sell or solicitation of an offer to buy any security that may be referenced on the site. Such offer or solicitation can be made only through the Disclosure Statement.

The Plan Web site contains links to other Web sites. Neither the Plan nor Vestwell State Savings LLC and its affiliates are responsible for the content of those other Web sites. The accuracy of information on those sites cannot be confirmed.

The Prepaid Card is issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to license from Visa U.S.A., Inc. This card can be used everywhere Visa debit cards are accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.

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