CalABLE Basics

Opening a CalABLE account today allows you to invest in your future while preserving your benefits.

In the past, the risk of losing public benefits coupled with the high cost of support expenses, limited members of the disability community from building financial security. Until now.

A CalABLE account is a savings and investment account. Eligible individuals (and their friends, family and employers) may contribute up to $16,000 a year to a CalABLE account without jeopardizing public benefits such as SSI, and at any time you can have up to $100,000 in your account. Account holders who work can potentially contribute above $16,000 yearly. Earnings and withdrawals in a CalABLE account receive tax-free treatment, provided the funds are used for Qualified Disability Expenses.

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Are you eligible for a CalABLE account?

Individuals with an onset of a disability before age 26 are eligible to open a CalABLE account.

If you meet this age 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 disability 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.

The CalABLE program is one of the fastest growing ABLE programs in the United States. While CalABLE is California’s ABLE Plan, any eligible individual can open an account no matter your state of residence.

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Who can open an account?

  • An Eligible Individual
  • An Authorized Legal Representative (the parent, legal guardian or conservator of an Eligible Individual)

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How to get started

You will need a few pieces of information to open an account:

  • Social Security number, date of birth and contact information for the beneficiary
  • Social Security number for the authorized legal representative (if different from the account owner/beneficiary)
  • Bank account information (account number and bank routing number)

Please note: As an added security measure, if you choose to make electronic contributions and/or withdrawals, CalABLE will perform a method of verification for any bank account you intend to use to transact in this program.

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Still have questions?

Check out our Frequently Asked Questions page for more information.


Additional Account Opening Resources

Information Guide

Tri-fold Brochure

Program Disclosure Statement

Rollover form

  • Rollover Form (PDF) (Use this form if you want to roll over money from a different ABLE or 529 college saving program account to a CalABLE account.)

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