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Frequently asked questions

Scroll down to see answers to things we get asked a lot. If you're looking for something specific, enter or choose a keyword below.

How do I stop direct deposits for my ABLE account?

To stop payroll direct deposits, you will need to contact your employer or update your direct deposit settings with the SSA.

I was previously enrolled to receive payroll direct deposits, do I need to update my employer with the new direct deposit information?

If you previously made payroll direct deposits, the existing process will continue to work until further notice. We do encourage users to set up payroll direct deposits through the new process to avoid any interruptions in the future.

Do I need to set my investment allocations to receive direct deposits?

Yes, investment allocations are a requirement for any type of direct deposit moving forward. You will not be able to set direct deposit settings until they have saved investment allocations.

What happens if my account has reached the account balance limit and I have direct deposit settings configured with my employer or the SSA?

If the account has reached the account balance limit, any direct deposit contributions will be rejected. When a direct deposit is rejected, a contribution is returned to the sender.

My direct deposit was rejected, how do I get that contribution into my account?

If a direct deposit is rejected, the contribution is returned to the source of the contribution. If you have not yet reached your contribution limit, you can contact the sender to have them resend it. 

Can I set up SSA and Payroll direct deposits for my ABLE account at the same time?

No, at this moment we support one of these direct deposit methods per account.

Is the ABLE account considered part of the estate after the death of a beneficiary?
Yes. As part of the estate, funds in the ABLE account are subject to federal estate tax. After the death of the beneficiary, the remaining funds will be taxed and can be used to pay any outstanding qualified disability expenses of the decedent and any State claim under section 529A(f) before they... Read more
What is a successor designated beneficiary?

A successor for an ABLE account must be a sibling, step-sibling, or half-sibling of the Account Owner and must also qualify for an ABLE account. A successor must be added to the account before the death of the beneficiary.

Where can I change my password or set up multi-factor authentication?
Once you log in, select “Security Center” from the dropdown menu next to your profile icon in the upper right corner of the screen. You can also go to your profile and select the “Open Security Center” button next to Login settings. From here, you can make any changes to your account that have to... Read more
Is there a mobile app for CalABLE?

If you already have an account, you can download the Vestwell app for iOS or Android and log in using your CalABLE account username and password. You can then make withdrawals, contributions, share gifting pages, and more whenever and wherever you want. 

Download for iOS

Download for Android

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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

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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 (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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