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.

If you are not a recipient of SSI and/or SSDI, but still meet the age of onset requirement, you could still be eligible if you meet Social Security’s definition and criteria regarding significant functional limitations and receive a letter of certification from a licensed physician.

In 2022, the U.S. Congress passed the ABLE Age Adjustment Act. This legislation increases the eligibility age of beneficiaries of ABLE accounts from the onset of disability before age 26 to age 46—beginning January 1, 2026. Currently, only individuals who have a qualifying disability before age 26 are eligible to open a CalABLE account.

While CalABLE is California’s ABLE Plan, any eligible individual in the country can open an account.

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