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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 enroll and manage a CalABLE account with a paper form?

The easiest and fastest way to enroll and manage a CalABLE account is online. If you want to use paper forms for enrollment or managing your account, you can find the forms here.

What are the fees?
An annual fee of $30 per year is deducted in quarterly installments from each CalABLE account. There are also low fees on the underlying investment options plus a state administrative fee. Some fees are added based on how you use the account: $10 per year for paper statements when you choose to... Read more
How do I choose my investment options?
When you open a CalABLE account, you will be asked to pick your investment options. You will be shown all eight options, and you will assign a dollar amount to each option. You can choose multiple options or only one option. Each time you make a contribution, you must enter the dollar amount for... Read more
Can someone from CalABLE help me pick which investment options to use?

No. We cannot offer or provide financial, investment, or other advice. We have provided descriptions of all investment options on our website and in our Program Disclosure Statement so that you can make an informed decision about which option(s) are best for you.

Program Disclosure Statement

What do I need to open an account?
Make sure you have this information handy: Your email address; Your birthday; Social Security Number or Tax Identification Number; Residency address. If you’re an Authorized Legal Representative, you’ll need the same information as the beneficiary’s, plus your work status. If the beneficiary... Read more
How do I open an account?
Once you’ve gone through all the eligibility requirements, it only takes 10 minutes to open an account online. You (or your Authorized Legal Representative) will need to have some basic information handy. Once you’ve been verified, you’ll set up the account details by: Creating a... Read more
What is a prepaid card?
Simply put, you add funds to a prepaid card and then use it to make purchases — either online or in-store. With an ABLE Visa® Card, you can: Make purchases everywhere Visa is accepted Add funds from your CalABLE account and reload the card as needed Have peace of mind that your funds are FDIC... Read more
Is money on the card counted as an asset for benefits?

Just like the funds in your CalABLE account, the funds on your ABLE Visa® Card do not count as assets for state or federal benefits.

How do I sign up for a card?
In just a few steps, you can sign up to receive an ABLE Visa® Card using your new CalABLE account number (“99” followed by your previous account number). After you’ve registered, it takes about 6-8 business days to receive your card in the mail. For any subsequent cards, you may opt to pay for... 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.

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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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