ABLEnow, a national, tax-advantaged savings program designed specifically for people with disabilities.
咩係 ABLE 而家？
ABLEnow 戶口畀人儲錢同投資，而唔會危及佢哋獲得某啲經過資源測試嘅福利嘅資格，例如醫療補助同補充保障收入（ SSI ）。
主要特點：
- 稅務優惠儲蓄：收入增長免於聯邦稅，而合格殘疾開支嘅提款亦免稅。
- 廣泛資格：喺26歲之前發生合資格殘疾嘅人可能有資格。
- 靈活使用：資金可以用嚟支付唔同嘅開支，包括住屋、教育、交通同埋醫療保健。
- 方便存取：喺網上管理你嘅帳戶，同埋用 ABLEnow 扣帳卡嚟支付合格嘅開支。
如果想確定資格同埋了解更多有關 ABLEnow 點樣支持財務獨立，請瀏覽ABLEnow 簡介 | 博客 | 。
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]