Congress Expands Access to ABLE Accounts by Increasing Age Limit
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Become an AdvocateWhile ABLE accounts were helpful for people who had a disability before they turned 26, millions of disabled people were left without the option of opening an ABLE account simply because of the arbitrary age limit. However, Congress recently passed the ABLE Age Adjustment Act, which increased the age limit to 46. This means that a person who becomes disabled in a car accident in their 30s or a 42-year-old firefighter who gets injured in the line of duty can also enjoy the benefits of ABLE Accounts. This also can help people who are diagnosed with disabilities that present later in life, like multiple sclerosis.
Unfortunately, all of these hypothetical individuals will have to wait several more years until opening an ABLE account becomes a reality for them. That’s because the age limit increase that Congress passed in December 2022 will not take effect until 2026.
Despite the years-long waiting period, the Disability Community can still count this as a win. However, we still have work to do to ensure that all disabled people can benefit from ABLE Accounts because there are many people who have or will acquire their disabilities after the age of 46.