ABLEnow, a national, tax-advantaged savings program designed specifically for people with disabilities.
ABLEnow란 무엇인가요?
ABLEnow 계좌를 사용하면 메디케이드 및 생활보조금(SSI)과 같은 특정 수단 테스트 혜택에 대한 자격을 위태롭게 하지 않고 돈을 저축하고 투자할 수 있습니다.
주요 기능:
- 세금 우대 저축: 연방 세금 없이 적립금이 불어나고 적격 장애 비용 인출 시 면세 혜택을 받을 수 있습니다.
- 광범위한 자격: 26세 이전에 적격 장애가 발생한 사람은 자격이 될 수 있습니다.
- 유연한 사용: 기금은 주택, 교육, 교통, 의료 등 다양한 비용에 사용할 수 있습니다.
- 간편한 액세스: 온라인으로 계정을 관리하고 적격 비용에 대해 ABLEnow 직불카드를 사용하세요.
자격 여부를 확인하고 ABLEnow가 재정적 자립을 지원하는 방법에 대해 자세히 알아보려면 ABLEnow 소개 | 블로그 | ABLEnow를 방문하여 소개 동영상을 시청하세요.
Here are the New York–specific changes comparing the pre‑2026 ABLE (NY ABLE) rules with the new ABLE Now updates, effective 1월 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]