ABLEnow, a national, tax-advantaged savings program designed specifically for people with disabilities.
Qu'est-ce que ABLEnow ?
Les comptes ABLEnow permettent aux personnes d'épargner et d'investir de l'argent sans compromettre leur éligibilité à certaines prestations soumises à conditions de ressources, telles que Medicaid et Supplemental Security Income (SSI).
Caractéristiques principales :
- Épargne fiscalement avantageuse : Les gains augmentent en franchise d'impôt fédéral et les retraits effectués pour des dépenses d'invalidité admissibles sont exonérés d'impôt.
- Éligibilité générale : Les personnes qui ont développé un handicap admissible avant l'âge de 26 ans peuvent être éligibles.
- Utilisation flexible : Les fonds peuvent être utilisés pour diverses dépenses, notamment pour le logement, l'éducation, le transport et les soins de santé.
- Accès facile : Gérez votre compte en ligne et utilisez la carte de débit ABLEnow pour les dépenses admissibles.
Pour déterminer l'éligibilité et en savoir plus sur la façon dont ABLEnow peut soutenir l'indépendance financière, visitez ABLEnow Introduction | Blog | ABLEnow pour regarder une vidéo d'introduction.
Here are the New York–specific changes comparing the pre‑2026 ABLE (NY ABLE) rules with the new ABLE Now updates, effective Janvier 1, 2026:
🏛️ Eligibility Age
- Before: Disability onset had to occur before age 26to qualify. [ilny.us], [mynyable.org]
- After: Now extended to individuals whose disability began before age 46, expanding eligibility to a much larger group. [mynyable.org], [ablenrc.org]
💸 Annual and Total Contribution Limits
- Before 2026:
- Annual contributions capped at $19,000from all sources. [mynyable.org], [specialnee…nswers.com]
- Employed individuals (without an employer retirement plan) could add up to the Federal Poverty Line (~$15,060 in 2024) via the ABLE-to-Work [mynyable.org], [ablenrc.org]
- Lifetime cap was $520,000. [mynyable.org]
- Effective Jan 1, 2026:
- Federal cap increases to $20,000 [specialnee…nswers.com], [ablenrc.org]
- The ABLE-to-Work incentive persists—up to ~$15,650 in additional funds for eligible working individuals. [ablenrc.org], [mynyable.org]
- Lifetime cap remains $520,000. [mynyable.org], [ablenrc.org]
🔁 ABLE-to-Work Provision
- Before: Allowed on a limited, possibly temporary basis for employed individuals not in employer retirement plans. [mynyable.org], [ablenrc.org]
- After: Made permanently by federal legislation, so NY ABLE participants can continue to make the additional annual work-based contributions. [ablenow.com], [ablenrc.org]
🔄 529-to-ABLE Rollovers
- Before: Allowed in NY, but state limitations and not permanent.
- After: Now permanently allowed. NY provides an Incoming Rollover Form for 529-to-ABLE transfers, subject to annual contribution caps. [cdn.unite529.com], [ablenrc.org]
✅ Saver’s Credit Eligibility
- Before: NY ABLE contributions did not qualify for the federal Saver’s Credit, though the provision was introduced federally.
- After: Contributions are eligible for the Saver’s Credit under federal law—and this applies to NY ABLE accounts. [ablenow.com], [ablenrc.org]