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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.

Can I still work and have an account?
Yes. With the ABLE to Work Act you can even contribute up to an extra $14,580 (as of 2024) to your CalABLE account if you are working, in addition to the yearly contribution limit of $18,000. Keep in mind that CalABLE accounts help protect assets from counting against benefit asset limits. They do... Read more
Who owns the account?

The beneficiary is the only owner of the account.

Can I close and transfer my CalABLE account to a different ABLE program?

Yes, but you can make only one rollover every 12 months. Use the CalABLE Account rollover forms to start the process.

Forms

Can I transfer an existing ABLE account into my CalABLE account?
Yes, you can use the ABLE to ABLE Rollover Form to get started. Keep in mind that you can only make one rollover every 12 months. A CalABLE account can also be rolled over to an eligible member of the family if the rollover happens before the death of the original beneficiary who opened the... Read more
Does my location matter?

No. A CalABLE account is available nationwide to residents of any state as long as they meet the eligibility criteria.

What type of disabilities qualify for an account?
A qualifying disability includes blindness or a medically determinable physical or mental impairment that results in marked and severe functional limitations. The disability must have developed before the age of 26 and will last, or has lasted, at least a year. Additionally, the disability must... Read more
Am I eligible for a CalABLE account?
To be eligible for an ABLE account, the beneficiary must: Be blind or have a medically determinable physical or mental impairment that results in marked and severe functional limitations, and such condition developed before the age of 26 and will last, or has lasted, at least a year; Be a U.S.... Read more
Who can have an account?
Anyone who developed a qualifying disability or blindness before the age of 26 and meets all eligibility criteria can have a CalABLE account. If you are over 18 years old, you can open your own account; if not, an Authorized Legal Representative can do it. Either way, you can have only one ABLE... Read more
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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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