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What is ABLE to Work?

The ABLE to Work Act allows eligible employed beneficiaries to save more in their ABLE accounts.

CalABLE accounts have a standard Annual Contribution Limit ($20,000 for 2026). However, a working beneficiary may be eligible to make ABLE to Work contributions beyond the standard Annual Contribution Limit. Beneficiaries are eligible to make ABLE to Work contributions if neither they nor their employer is contributing to a defined contribution plan (401(k)), annuity plan (403(b)), or deferred compensation plan (457(b)) during that calendar year. 

If a beneficiary is eligible for ABLE to Work, they can contribute an additional amount up to the lessor of the beneficiary’s compensation for the current year or the ABLE to Work Contribution limit ($15,650 for 2026). This is in addition to the standard Annual Contribution Limit. For example, if an eligible worker earned $10,000 in 2026, they could contribute the standard $20,000 plus an additional $10,000, for a total of $30,000 in 2026. If an eligible worker earned $15,650 or more in 2026, they could contribute up to a total of $35,650.

Over multiple years, SSI recipients can have up to $100,000 saved in a CalABLE account at a time. Account holders who do not receive SSI can continue contributing until they reach $529,000! 

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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.

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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 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 Government 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 Government 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 Government 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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