A smiling boy in a wheelchair

Qualified Expenses

CalABLE accounts can be used for many different qualified expenses, ranging from education, employment support, housing, transportation, assistive technology and healthcare.

A CalABLE account lets you build up savings that can help you live your best life. Some examples of expenses eligible for payment from a CalABLE account include:


  • Tuition for preschool through post-secondary education

  • Books

  • Supplies and educational materials

  • Computers or other assistive technology


  • Rent

  • Purchase of primary home

  • Expenses of primary home

  • Mortgage payments

  • Mortgage insurance if required by lender

  • Property taxes

  • Utility charges

  • Home improvement, changes, maintenance, and repairs

  • Home modifications

*Money you withdraw for housing expenses may affect your SSI benefits if you do not spend it within the same month. To avoid any impact to your SSI benefits, be sure to spend housing money within the same calendar month that you make the withdrawal. 


  • Use of mass transit

  • Purchase of vehicle

  • Alteration of vehicle to accommodate a disability

  • Moving expenses

  • Taxis or ride sharing service

Employment Support

  • Cost related to gaining and maintaining employment

  • Job-related training

  • Job coach

  • Employment training

  • Benefits planning

Health, Prevention and Wellness

  • Premiums for health insurance

  • Mental health, medical, vision and dental expenses

  • Habilitation and rehabilitation services

  • Durable medical equipment

  • Therapy

  • Respite care

  • Long-term services and support

  • Nutritional management

  • Personal assistance

Assistive Technology and Personal Support

  • Cost of assistive technology and personal support

  • Communication services and devices

  • Adaptive equipment

Miscellaneous Expenses

  • Financial management and administrative services

  • Legal fees

  • Oversight and monitoring

  • Funeral and burial expenses

Keep track of your expenses

We don’t need to see your receipts, but the IRS might. You should keep documentation of your purchases in case the IRS asks for it, and you must provide proof of how you spent the money from your account (which you can track with your ABLE Visa® Card).

What if I buy something that doesn't qualify?

You’ll have to pay tax on investment earnings, plus a 10% penalty on earnings for non-qualified expenses. Also, keep in mind that any non-eligible withdrawals are considered income for the month and could count against your eligibility for Supplemental Security Income (SSI) benefits or Medicaid.