ABLEnow, a national, tax-advantaged savings program designed specifically for people with disabilities.
ABLEnow 是什麼？
ABLEnow 帳戶允許人們儲蓄和投資資金，而不會危及他們獲得某些經濟狀況調查福利（如 Medicaid 和補助性安全收入 (SSI)）的資格。
主要功能：
- 稅務優惠儲蓄：收益增長不需繳納聯邦稅，提取用於符合條件的殘障費用可免稅。
- 廣泛的資格：在 26 歲之前罹患符合資格的殘障者可能符合資格。
- 靈活使用：資金可用於各種支出，包括住房、教育、交通和醫療保健。
- 存取方便：線上管理您的帳戶，並使用 ABLEnow 扣帳卡支付符合條件的費用。
若要確定資格並瞭解 ABLEnow 如何支援財務獨立，請造訪ABLEnow 簡介 | 部落格 | ABLEnow觀看介紹影片。
Here are the New York–specific changes comparing the pre‑2026 ABLE (NY ABLE) rules with the new ABLE Now updates, effective 一月 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]