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ABLE Accounts Expanded on January 1, 2026: New Age 46 Eligibility, Higher Limits, and How to Open One


If you get Medicaid, Supplemental Security Income (SSI), or other supports tied to income and assets, saving money can feel risky.

An Achieving a Better Life Experience (ABLE) account is a tax-advantaged savings account for people with disabilities. It lets you save for disability-related expenses and, in most cases, keep benefits like SSI and Medicaid. It can also help protect access to other means-tested supports, like SNAP.

Major changes took effect on January 1, 2026. If your disability began before age 46, you may now qualify. The annual contribution limit also increased to $20,000.

In this guide, you’ll learn what changed, who qualifies, what you can spend the money on, and how to open an ABLE account.

Start here: Do I qualify for an ABLE account in 2026?

You may qualify if:

  • Your disability or blindness began before age 46, and
  • It has lasted, or is expected to last, at least one year

Good to know:

  • There are no income limits to open an ABLE account.
  • You can be any age now. What matters is when your disability began.
  • You can only have one ABLE account per person.

What is an ABLE account?

ABLE stands for Achieving a Better Life Experience. ABLE accounts were created by a federal law passed in 2014, thanks in part to The Arc’s advocacy.

An ABLE account is designed for one main purpose: so people with disabilities can save money and build assets without losing benefits.

How do ABLE accounts work?

People usually want to know three things: Is it tax-free? Will it affect my benefits? What can I use it for? Here’s what you should know:

  • You put money into the account after taxes.
  • Your savings can grow tax-free.
  • You can take money out tax-free when you spend it on qualified disability expenses.
  • ABLE savings are generally treated differently than a regular bank account for SSI and Medicaid.

Why this matters: To qualify for need-based federal benefits like SSI, a person often can’t have more than $2,000 in countable resources outside limited exceptions. That makes it hard to plan for a more stable life.

ABLE accounts are one way to save without triggering the same rules as a regular savings account.

Read more: Social Security and Income Maintenance

What changed on January 1, 2026?

  1. The age rule expanded
    As of January 1, 2026, you may open an ABLE account if your disability began before age 46. This is an increase from the original threshold age of 26.The National Disability Institute projects about 6 million more people will qualify. Recent reporting has also cited estimates that eligibility may grow to about 14 million people, up from about 8 million.Key takeaway: People of any age can open an ABLE account, as long as the disability began before age 46.
  2. The annual contribution limit increased
    The annual contribution limit in 2026 is $20,000. Anyone can contribute, including family, friends, and employers.

Who qualifies for ABLE accounts in 2026?

You may qualify if:

  • You have a disability or blindness that has lasted, or will last, at least one year, and
  • Your disability began before age 46

Only one ABLE account per person is allowed.

How is eligibility documented?

Many people qualify in one of these ways:

  1. You receive Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI) or Disabled Adult Child (DAC) benefits
    If you receive SSI or other Social Security disability benefits, the path is often simpler.
  2. You don’t receive SSI, SSDI, or DAC
    You can qualify with a signed certification from a licensed physician stating your disability began before age 46 and meets program rules. The ABLE National Resource Center provides a sample form you can share with a doctor.

How much can you contribute in 2026?

Standard annual limit: $20,000

Can I contribute more if I work?

Maybe. ABLE-to-Work lets some working account owners contribute above the standard annual limit. Under recent updates, this feature is now permanent.

Eligible employed account owners may contribute up to $34,064 annually. The extra amount varies by state and work situation, and is higher in Alaska and Hawaii. Income counts towards Substantial Gainful Activity (SGA) and affects benefits the same as it always has, even when it is directly deposited into an ABLE account.

How much money can I keep in my ABLE account?

States set overall limits on how much can be in an ABLE account, ranging from about $235,000 to $675,000.

If you receive SSI, there is an important cap to know: Up to $100,000 in an ABLE account is excluded from SSI asset limits. If an ABLE account exceeds $100,000, when combined with all countable resources, your SSI benefits will be suspended until funds are spent down to under the resource limit.

What ABLE account features became permanent in 2026?

These changes were made permanent under recent updates:

  1. ABLE-to-Work
    Some working account owners can contribute above the standard annual limit.
  2. Saver’s Tax Credit
    ABLE account owners who work and contribute to their own account may be eligible for the Federal Saver’s Tax Credit.
  3. 529 Rollovers
    Funds from a 529 Education Savings Account can roll over into an ABLE account, within annual limits.

What can you spend ABLE money on?

ABLE funds can be used for qualified disability expenses, including:

  • Housing (rent, mortgage payments, utilities)
  • Basic living costs, including groceries
  • Health and medical expenses
  • Transportation, public transit, and car repairs
  • Education and employment training
  • Personal support services
  • Assistive technology (including mobility equipment)
  • Legal fees
  • Wellness programs

There is no age limit on withdrawals.

If distributions are used for non-qualified expenses, the earnings portion may be taxable and may face a 10% penalty.

How do I open an ABLE account?

Most ABLE accounts are opened through state programs. Many plans accept out-of-state residents, but not all do.

Step 1: Confirm the age-of-onset rule

Did your disability begin before age 46?

Step 2: Gather what you need

  • If you receive SSI, SSDI, or DAC, have your information ready.
  • If you don’t, schedule a visit with a doctor who can complete the required certification.

Step 3: Choose a plan

Start with your own state plan, if your state offers one. Some states don’t have ABLE programs, including:

  • North Dakota
  • South Dakota
  • Wisconsin

Many plans are open to out-of-state residents. You can also transfer your account between state plans.

Step 4: Pick the features that fit your life

When comparing plans, look for:

  • A debit card option, if you need easy access for everyday spending
  • A mobile app
  • Cash account interest rates
  • Investment options if you are saving for longer-term goals

Step 5: Open the account

Most plans open accounts online. Some plans allow mail-in applications. Some plans don’t require an initial deposit, but the average initial deposit is about $25.

Are there any downsides to an ABLE account?

ABLE accounts can be powerful, but they’re not perfect.

  • Some plans are online-only. If internet access or forms are a barrier, look for plans with paper applications or ask a trusted person to support you through the steps.
  • Withdrawals can take time. If you plan to use ABLE money for monthly bills, plan ahead.
  • Medicaid payback rules may apply in some states. In some states, remaining funds after the account owner dies may be subject to Medicaid recovery. Several states have passed laws that exempt ABLE accounts from Medicaid recovery. Still, check your plan’s rules.

How do I get the most out of an ABLE account?

  • Start with a clear goal (rent buffer, accessible vehicle repairs, support worker hours).
  • Set a small monthly contribution on autopay, if you can.
  • Share the account link with trusted family and friends who ask how to support you.
  • If you work, check whether ABLE-to-Work could raise your contribution amount.
  • If you have a 529 plan that is no longer needed for school, ask whether a rollover makes sense for your situation.

Even a small amount saved can mean fewer emergencies and more choices.

More Resources

Informed by: Darcy Milburn, Director of Social Security & Healthcare Policy at The Arc of the United States
Reviewed by: Mike Nagel, Policy Manager at The Arc of the United States

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IEP Rights Explained: What Every Parent and Educator Should Know


Every child with a disability deserves the chance to learn, belong, and thrive in school. The federal special education law, the Individuals with Disabilities Education Act (IDEA), guarantees a free, appropriate public education to eligible children with disabilities. To be eligible, a child must have a disability and need specialized instruction in order to benefit from education.

Under IDEA, the child’s parents and the public school develop an Individualized Education Program (IEP). The IEP is a contract between the school and parent that details the specific services and supports the child will receive to address the child’s unique needs.

Today, more than 7.8 million children with disabilities, about 15% of public school students, receive special education and other services that are designed for each child to make academic progress. These children have disabilities such as intellectual disabilities, learning disabilities, blindness, hearing loss, and physical disabilities.

IDEA became law in 1975 because parents of children with disabilities demanded access to their public schools. Before federal protections existed, states could exclude children with disabilities from public schools, and many did. Millions were denied an education, not because they couldn’t learn, but because society did not believe they were worth educating. That changed because of federal action. Parents, led by The Arc, fought in court and won. Their victory laid the foundation for IDEA and generations of opportunity.

The below guide draws directly from The Arc’s education policy experts and The Arc@School Advocacy Curriculum, a leading national program helping families and educators navigate special education systems with confidence.

What is an IEP and why does it matter?

An IEP is a written plan that details how a school will meet a student’s individual learning needs. It sets clear, measurable goals and includes details of the support your child needs to reach them. Teachers and service providers must implement the plan and monitor progress throughout the year. IEP services are provided at no cost to the child’s family.

How is an IEP different from a 504 Plan?

Both IEPs and 504 Plans provide supports for students with disabilities, but they serve different purposes.

An Individualized Education Program (IEP) is prepared for a student who has both a disability and needs specialized instruction. To qualify, the student must fall into one of 13 disability categories. An IEP includes individualized goals, special education services, and related supports like therapy or assistive technology. For example, a child with a specific learning disability may need specialized instruction to learn to read.

Not every child with a disability needs specialized instruction, though. Some children just need accommodations at school. A child with diabetes must be able to check her insulin and eat at unscheduled times in order to manage her blood sugar. For this child, her needs are protected by Section 504 of the Rehabilitation Act of 1973. A Section 504 plan requires public schools to provide equal access to education through reasonable accommodations, such as modified assignments, flexible testing, adaptive equipment, or changes to the learning environment.

What are a student’s rights under IDEA?

Every student has the right to a Free Appropriate Public Education (FAPE) in the Least Restrictive Environment (LRE). These rights ensure that students with disabilities receive the supports they need at no cost to families and, whenever appropriate, learn alongside their non-disabled peers.

“IDEA ensures every child with a disability receives an appropriate public education,” says Katy Neas, CEO of The Arc of the United States. “Students are general education students first, but the way they access learning looks different for each child. Some master grade-level content with the right supports. Others make meaningful progress toward individualized goals. Both are success stories under IDEA.”

Learn more about how The Arc defends these rights: Education Policy & Advocacy

What does “appropriate” mean for a child’s education?

An appropriate education helps a child make measurable and meaningful progress based on their abilities and needs. It must be ambitious enough to promote growth, but flexible enough to meet each child where they are.

Supports and services should make learning accessible and engaging, whether that means assistive technology, alternative materials, or extra time for assignments.

“Every child learns in their own way and at their own pace,” says Robyn Linscott, Director of Education & Family Policy at The Arc of the United States. “An appropriate education honors that individuality. When a student discovers a new skill or takes a step toward independence, that success is every bit as meaningful as test scores or grades.”

What is FAPE in practice?

A Free Appropriate Public Education means schools cannot deny or delay services because of cost or convenience. It ensures your child receives specialized instruction and supports designed to help them succeed in school and in daily life.

If your child needs speech therapy, occupational therapy, a one-to-one aide, or assistive technology, those services must be written into the IEP and provided without charge. FAPE exists so children with disabilities have the same chance to succeed as their peers.

What is the Least Restrictive Environment (LRE)?

The Least Restrictive Environment means that students with disabilities should learn in general education settings whenever appropriate. Schools must first provide supports that make inclusion successful, such as paraprofessionals, sensory tools, assistive technology, or co-teaching, before considering more specialized settings.

The goals are growth, inclusion, and progress, not separation, and the key is flexibility. As children gain skills, their needs and environments should evolve with them.

How do I start the IEP process? (Child Find and evaluation)

Schools must identify and evaluate any child who may need special education services. This is known as Child Find.

If you suspect your child has a disability, send a written request to the principal or special education coordinator asking for a comprehensive evaluation. Keep a copy of your request.

Evaluations must include multiple tools, such as classroom observations, standardized tests, and teacher input, and be conducted by qualified professionals. The results determine eligibility for services and guide the IEP team’s decisions.

You do not need a medical diagnosis to request an IEP, though a diagnosis can sometimes strengthen the request for services.

Do I have to give written consent for IEP consideration?

Yes. Schools must get your informed, written consent before the first evaluation and before providing special education services for the first time.

You have the right to review the results and ask questions before signing. You can refuse or withdraw consent, but that may stop services. Written consent ensures that you understand and agree to what the school proposes.

What is prior written notice (PWN) and when do I get it?

Prior written notice is a document schools must give parents before starting, stopping, or changing eligibility, placement, or services, and when they deny a parent request.

The notice must explain what the school plans to do, why it made that decision, what data it used, what options were considered, and what your rights are.

Keep every prior written notice. It creates a clear record of decisions about your child’s education.

What if the school denies my child an IEP?

If your child is found ineligible for an IEP, the school must explain the decision in writing and share the data used.

You can:

  • Request an independent education evaluation. This evaluation must be provided at no cost to the family.
  • Request a meeting to discuss the results and possible next steps, including a possible 504 Plan.
  • File a complaint with your state’s Department of Education if you believe the evaluation was incomplete or inaccurate.
  • If the issue is not resolved, you can file a complaint with the U.S. Department of Education’s Office for Civil Rights.

Document every step and keep copies of all correspondence.

Who is on the IEP team and how do parents participate?

The IEP team includes the parent or guardian, general and special education teachers, a school representative, and someone who can interpret evaluation results. It must also include someone who can make decisions on behalf of the school. Other people, such as therapists or advocates, may also be invited. Parents can also bring anyone they want to the IEP team, whether it is a friend or advocate.

Schools must schedule meetings at a convenient time and provide language interpreters if needed. If you cannot attend, the school must show it made reasonable efforts to include you.

“IEPs work best when parents and schools can establish a trusting relationship,” Katy Neas explains. “Strong IEPs are built on trust and good information. Share what works at home. Ask for data. Make sure decisions are written clearly so everyone knows who is doing what and when.”

What happens if my child’s behavior leads to discipline?

Behavior is a form of communication. If a child is suspended for any amount of time, parents should work with the school to explore whether the behavior was linked to the child’s disability or a failure to follow the IEP. If so, the student must return to their placement, and the school must fix the problem and develop a Behavior Intervention Plan. If a student is suspended for more than 10 consecutive school days, parents should request a meeting with the IEP team.

What happens if the school uses restraint or seclusion practices on my child?

“Behavior challenges often come from unmet needs, not defiance,” says Robyn Linscott. “Restraint and seclusion are never teaching tools. The focus should always be on understanding triggers, adjusting supports, and helping students feel safe and heard.”

Read more about why restraint and seclusion harm students: Leah should have never been secluded and restrained

Do schools still provide services during suspension or expulsion?

Yes. Even during suspension or expulsion, a student must continue receiving services that allow progress toward IEP goals. The IEP team decides how those services are delivered.

How do I start planning for life after school?

Planning for life after high school, often called transition planning, must begin by age 16, though many schools start earlier. The student should be invited to these meetings, which focus on goals for education, employment, and independent living.

Students with disabilities have the right to special education services through age 21 under IDEA. Transition planning ensures that the final years of schooling prepare them for what comes next, including continuing education, work, or community life.

As students grow, their needs change. Transition planning helps young people build confidence, skills, and self-advocacy for adulthood. When a student turns 18, educational rights usually transfer from parents to the student.

How is the dismantling of the U.S. Department of Education impacting IEPs?

Efforts to dismantle the U.S. Department of Education are already underway, and the consequences for students with disabilities are serious.

The Department enforces IDEA, monitors compliance, and provides funding and oversight. Without it, there is no national consistency or accountability, and families risk losing vital protections.

Read the op-ed: Department of Education helps students with disabilities. Don’t let it disappear (Newsweek)

The Arc continues to fight to protect the Department’s role so that every child, in every state, can count on their rights being enforced.

Four real-life scenarios and exact steps

  1. Eligibility: “My child is struggling. How do we get tested to see if special education services are needed?”
    1. Email the principal and special education coordinator. State that you suspect a disability and request a comprehensive evaluation. Ask for a reply and a consent form.
    2. Keep a dated copy. Schools must identify and evaluate students who may need services and evaluate in all areas of suspected disability. Consent is required.
    3. If you disagree with the school’s evaluation, request an Independent Educational Evaluation (IEE) at public expense or obtain your own. The school must consider it and issue prior written notice if denying changes.
  2. Services: “My child’s IEP is vague. Supports are not happening.”
    1. Ask for an IEP meeting in writing. Request that supports be specific and written into the IEP.
    2. After the meeting, ask for prior written notice summarizing decisions and the data used.
    3. Only written commitments are enforceable. PWN is required before changes or denials.
  3. Discipline: “My child was suspended for two weeks.”
    1. Request an IEP meeting within 10 school days. At this meeting, the team will explore whether the child’s behavior was a result of his disability.
    2. Ask to review data and the IEP. If behavior is a manifestation or the IEP wasn’t implemented, request a return to placement, a Functional Behavioral Assessment, and a Behavior Intervention Plan. These protections prevent punishing the child for having a disability and require supports to address behavior.
  4. Transition: “My disabled teen needs a plan for life after high school.”
    1. Ask for transition goals and services at the next IEP meeting. Invite your student.
    2. Talk with your child about what they want to do when they complete school. Your child’s IEP must include a transition plan and corresponding services no later than age 16, but parents and their child should start planning sooner.

Quick action checklist

  • Put every request in writing
  • Ask for prior written notice after each decision
  • Keep an IEP folder for all records and progress reports
  • Request meetings if problems arise
  • Ask how progress is measured
  • If your child is suspended more than 10 days, request a manifestation determination meeting

Learn more and take the next step

Written by: Katy Neas, CEO, and Robyn Linscott, Director of Education and Family Policy, The Arc of the United States
Reviewed by: Katy Schmid, Senior Director of National Program Initiatives, who oversees The Arc@School

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GAO Report Finds Education Department Civil Rights Enforcement Collapsing as Disability Complaints Go Unreviewed

Today, the U.S. Government Accountability Office (GAO) released a new report documenting major disruption at the U.S. Department of Education’s Office for Civil Rights (OCR) and a sharp rise in the dismissal of discrimination complaints in schools, including those involving students with disabilities.

From March through September 2025, OCR received more than 9,000 discrimination complaints, and roughly 90% of the resolved cases were closed through dismissal. GAO also found that 247 OCR staff were placed on paid administrative leave starting March 21 and were not allowed to work for nearly nine months, a decision GAO estimates cost taxpayers up to $38 million.

For students with disabilities and their families, this translates into fewer answers, fewer opportunities, and fewer safeguards when schools fail to follow the law.

What GAO Found

The federal system that enforces students’ civil rights is breaking down in plain sight. Families are filing complaints, but far fewer get a real review, and schools get less clarity about what the law requires.

  • Most resolved cases ended without review. GAO reports OCR received 9,269 complaints from March through September 2025 and resolved 7,072. Of those resolved, 6,353 were dismissed, roughly 90%.
  • Taxpayers paid for investigators who were barred from doing their jobs. GAO estimates the cost of paying OCR staff who were placed on administrative leave while not allowed to work was $28.5 million to $38 million from March 21 through mid-December 2025.
  • Transparency dropped as disruption increased. GAO describes reduced public visibility into OCR’s workload and outcomes during this period.

A Disability Rights Perspective

“GAO shows OCR, the federal office families rely on when schools violate students’ civil rights, thrown into turmoil as complaints pile up and outcomes disappear from public view,” said Katy Neas, CEO of The Arc of the United States. “Families have a right to turn to OCR when a child is denied accommodations, pushed out of class, harassed, or disciplined unfairly because of disability. When those complaints aren’t addressed, schools lose clear direction, families lose answers, and students live with the consequences for years. Rights are only meaningful when enforcement exists.”

What This Means for Students with Disabilities and Families

When OCR can’t consistently review complaints, disability rights become harder to enforce in real life, including:

  • Accommodations and accessibility: support under IDEA and Section 504, accessible materials and technology, and physical access to buildings and programs
  • Harassment and hostile environments: bullying and disability-based harassment that schools fail to stop
  • Discipline and exclusion: suspensions, removals, or unequal discipline tied to disability, and students being pushed out of learning time
  • Services that shape adulthood: delays or denials of supports that affect graduation, employment pathways, and independence

Families often turn to OCR when local processes fail, when schools don’t follow the law, or when a student pays the price for repeated failures. GAO’s findings describe a system where many of those families are left without a meaningful federal backstop.

What This Means for Schools and Educators

OCR enforcement creates accountability and clearer expectations.

  • When enforcement is inconsistent, schools lose clear, reliable direction about what compliance looks like.
  • Disputes last longer and are more likely to escalate into conflict, due process, or litigation.
  • Students lose time they can’t get back, and that lost time can change their future.

How OCR Enforcement is Supposed to Work

  • A federal process that can be faster and less expensive than court
  • Outcomes that can be legally binding
  • A pathway that can help families resolve issues without years of litigation

What Should Happen Next

Disability advocates are urging immediate steps:

  • Stabilize staffing and operations so complaints can be reviewed on the merits.
  • Restore transparency so families and schools can see what is being processed and how.
  • Communicate clearly to families about timelines, options, and what happens when OCR dismisses a complaint.