Who can have an account?

To be eligible for a STABLE account, you or the beneficiary must:

• Be blind or have a medically determinable physical or mental impairment that results in marked and severe functional limitations, and such condition developed before the age of 26 and will last, or has lasted, at least a year;

• Be a U.S. citizen or legal resident; and

• Confirm one of the following:

  • Are eligible for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) because of a disability;

  • Have a condition listed on the Social Security Administration’s “List of Compassionate Allowances Conditions”;

  • Experience blindness as determined by the Social Security Act; or

  • Has received, and can provide if requested, a signed diagnosis of the qualifying disability from a licensed physician.

In 2022, the U.S. Congress passed the ABLE Age Adjustment Act. This legislation increases the age of onset for a qualifying disability from age 26 to age 46 effective January 1, 2026, opening the door for many more people to qualify for ABLE accounts.