ABLE Program


Savings and investment solutions for people with disabilities

The Achieving a Better Life Experience (ABLE) Act of 2014 is the federal law that instituted ABLE Accounts, which are tax-advantaged savings accounts for individuals with disabilities and their families.

The ABLE Act recognizes the significant costs of living with a disability. This legislation makes it possible for you to save and invest money without impacting your disability benefits, including Supplemental Security Income (SSI) and Medicaid.

You can save up to $15,000 per year and use the money in your ABLE Account to help with a variety of expenses, including:

  • Education
  • Transportation
  • Housing
  • Employment
  • Personal support services

At this time, Utah is not offering a Utah-specific ABLE Account program. However, eligible Utah residents can open an ABLE Account by applying with another state offering ABLE Accounts to outside residents. This allows individuals to have an ABLE Account that meets their personal financial and investment needs.

Utah exempts all ABLE Accounts as countable assets against Medicaid, the Supplemental Nutrition Assistance Program (SNAP or Food Stamps) and Temporary Assistance for Needy Families (TANF). If you are approved for an ABLE Account, please notify your public assistance eligibility worker.

For more information about the ABLE Program and how to apply for an ABLE Account, visit