ABLEnow, a national, tax-advantaged savings program designed specifically for people with disabilities.
O que é o ABLEnow?
As contas ABLEnow permitem que as pessoas poupem e invistam dinheiro sem pôr em risco a sua elegibilidade para determinadas prestações sujeitas a prova de recursos, como o Medicaid e o Supplemental Security Income (SSI).
Caraterísticas principais:
- Poupança com vantagens fiscais: Os ganhos crescem livres de impostos federais e os levantamentos para despesas de invalidez qualificadas são isentos de impostos.
- Elegibilidade geral: As pessoas que desenvolveram uma deficiência elegível antes dos 26 anos de idade podem ser elegíveis.
- Utilização flexível: Os fundos podem ser utilizados para várias despesas, incluindo habitação, educação, transportes e cuidados de saúde.
- Acesso fácil: Gerir a sua conta online e utilizar o cartão de débito ABLEnow para despesas qualificadas.
Para determinar a elegibilidade e saber mais sobre como o ABLEnow pode apoiar a independência financeira, visite ABLEnow Introduction | Blog | ABLEnow para ver um vídeo introdutório.
Here are the New York–specific changes comparing the pre‑2026 ABLE (NY ABLE) rules with the new ABLE Now updates, effective janeiro 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]