Financial security through the ABLE Act
The ABLE Act lets people with disabilities save without losing SSI, SSDI, or Medicaid. Median state take-up is only 0.41 percent. Well-designed state policy can move that number, and moving it changes life trajectories.
Take-up rate: ABLE accounts opened as % of eligible adults with disabilities.
The policy problem
The ABLE Act of 2014 created tax-advantaged savings accounts for people with disabilities. Adults with disabilities can save without triggering the $2,000 asset limit that blocks SSI. As of 2026, eligibility extended to those with disability onset before age 46 (previously 26). Yet median state take-up sits at 0.41 percent of eligible people. Nebraska Enable reaches 3.04 percent. The gap is a policy design problem — awareness, enrollment friction, employer engagement, benefits counselor training — not a demand problem.
Why we point to a live product here
ReachABLE (joinreachable.com) is our consumer-facing app for ABLE. It handles eligibility, benefits-cliff modeling across 25 welfare programs, wealth trajectory, homeownership pathway, debt reduction, and retirement sequencing — all benefits-safe. State partners can white-label ReachABLE, integrate it with their benefits counselor training, or feature it in outreach campaigns.
Quick check. This is a preview of ReachABLE's full eligibility flow.
ABLE Age Adjustment Act (2026): eligibility now covers onset before age 46 (was 26).
Results
See how ABLE lets you save without hitting the $2,000 SSI asset cliff.
Assumes 4% average annual growth.
Balance after saving
Click a card to reveal.