An "Eligible Individual" Qualified To Have An ABLE Account Must Meet Two Requirements

  1. You must have a qualifying disability. Demonstrated by one of the following:

    • Entitlement to Supplemental Security Income (SSI) benefits based on blindness or disability; or
    • Entitlement to Social Security Disability Insurance (SSDI) benefits based on blindness or disability; or
    • Self-certification of a similarly severe disability, if not entitled to SSI or SSDI. Demonstrated by the following:
      • Blindness as defined by the Social Security Act (SSA); or
      • A medically determinable physical or mental impairment with marked and severe function limitation that has lasted, or is expected to last, at least 12 continuous months or result in death; and
      • Have a written disability-related diagnosis signed by a physician.

  2. The qualifying disability must have started prior to age 26.

*During enrollment, documentation is not required. Keep records that support eligibility should a state or federal agency request them.

Who Can Open A PA ABLE Account?

An adult Eligible Individual with the legal capacity to enter into contracts must open the account for themselves. If the Eligible Individual is a minor or a person without legal capacity to enter into contracts, a parent, guardian or someone who has Power of Attorney may open the account and they become the “Authorized Individual.” The Authorized Individual acts as a fiduciary, must control the account for the benefit of the Eligible Individual, and may not have a beneficial interest in the account. At all times, the Eligible Individual is both the Beneficiary of the account and the Account Owner.