Get Started Today with ABLE Savings

Opening an ABLE account is simple and can be done entirely online. Whether you're saving for everyday needs or future goals, Hadley is here to help.

Who Can Open an Account?

To be eligible for an ABLE account, the individual must:

Have a qualifying severe diagnosis or disability with onset before age 46.
Meet one of the following:
1. Receive SSI or SSDI benefits.
2. Have a diagnosis that meets the Social Security Administration's Blue Book definition.
3. Obtain a signed diagnosis from a licensed physician.

Take the Eligibility Quiz & Find Your 529 ABLE Plan

What Can You Use Your ABLE Savings For?

From everyday needs to big plans, your ABLE account can help cover what matters most.

Qualified Disability Expenses (QDEs) are any expenses that help improve health, independence, and quality of life.

Common Qualified Expenses

If the money in an ABLE account is spent on one of the following Qualified Disability Expenses as defined by federal law, the earnings on the money withdrawn are tax-free.

Housing

Rent, mortgage payments, utility bills, or home repairs. Housing is one of the most common ways people use their ABLE account funds.

Health & Medical

Doctor appointments, prescriptions, equipment, or therapies. You can even use it for insurance premiums.

Assistive Technology

Devices and services that assist daily living.

Daily Living Expenses

Food and clothing.

Education

Tuition, books, tutoring, and related expenses.

Employment Support

Devices and services that assist in employment.

Transportation

Public transit, vehicle modifications, and ride services.

Financial Management

Budgeting assistance and financial planning services.

Legal Fees

Expenses related to establishing a trust, guardianship, or starting a small business.

More About Qualified Expenses: These categories are not exhaustive. If the expense is tied to your severe diagnosis or disability and helps you live a fuller, more independent life, it counts as a qualified expense. Keep your receipts and documentation for all eligible expenses for IRS purposes.

Take the Eligibility Quiz & Find Your 529 ABLE Plan

What You'll Need to Enroll

When you're ready, you'll want to have a few things handy:

Social Security Number or Tax ID of the individual with the disability
Contact info for the person managing the account (if not the individual)
Bank account information to make a contribution

How Enrollment Works

It usually takes less than 15 minutes to complete. When you're ready, enrollment takes just a few steps:

Confirm eligibility
Provide your basic information and documents
Make an initial contribution
Set up recurring contributions if desired — weekly, monthly, or annual

How Disability Severity Is Measured

ABLE eligibility doesn't depend on income—it depends on how your diagnosis affects your daily life. A disability may qualify if it:

Causes significant functional limitations
Has lasted (or is expected to last) at least 12 months
Severe diagnosis or disability onset began before age 46

Note: Eligibility is based on Social Security standards; no paperwork is required to be uploaded, but may be requested by the IRS.

Take the Eligibility Quiz & Find Your 529 ABLE Plan

Please download the Hadley app to receive your free 529 plan recommendation. The material contained on this website is not intended to be a recommendation or investment advice, does not constitute a solicitation to buy, sell or hold a security or investment strategy and is not provided in a fiduciary capacity. The information provided does not take into account the specific objectives or circumstances of any particular investor or suggest any specific course of action. Investment decisions should be made based on an investor’s objectives and circumstances and in consultation with her or her financial professionals. Past performance is no guarantee of future results. There can be no assurance that any investment will achieve its objectives or avoid substantial losses.

All research and other information provided on this website has been prepared for informational purposes only and Hadley Investment Co. assumes no liability or responsibility for any errors or omissions in the content of this website or any linked website.