Bridges Resource Library

Who Qualifies for an ABLE Account?

Updated as of January 18, 2024.

Eligibility for an ABLE account requires the following:

Age of disability onset

  • Must have met the disability requirement before reaching the age of 26
  • If older than 26, must prove that disability occurred before 26th birthday


  • Uses Social Security definition of disability
    • If you receive SSI or SSDI and meet the age of onset requirement, you are qualified.
    • If you would qualify for SSI or SSDI based on disability (but do not meet other requirements for those programs)
  • Alternatively, “For the current tax year have filed a valid disability certification with the Secretary of the Treasury.”

Authorized to open the account

  • A beneficiary age 18 or older OR
  • An Authorized Legal Representative (ALR) for the beneficiary
    • If the beneficiary is older than 18, must be an individual who has been appointed as “Power of Attorney, Legal Guardian, or Conservator for the Beneficiary.
    • Can be a parent if the beneficiary is younger than 18

More About ABLE Accounts

Comprehensive post: All About ABLE Accounts

Individual topics

Contact the Bridges Helpdesk for More Information

This unique project is being coordinated through The IMAGE Center of Maryland, a center for independent living in Towson, and it is funded by a grant from the Maryland Department of Education Division of Special Education/Early Intervention Services.

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