Quick Reference - Arizona ABLE
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Arizona's Achieving A Better Life Experience (ABLE) Program
What is AZ ABLE?
AZ ABLE accounts allow people with disabilities to save and invest money. This account will not affect most public benefits like Medicaid or Social Security Supplemental Security Income (SSI). The Department of Economic Security administers AZ ABLE. It is offered to Arizona residents through a partnership with Ohio’s STABLE Account Program.
What Are the Benefits?
- People with disabilities can save and invest more money.
- Before AZ ABLE, people could only save $2,000 before losing benefits. For the calendar year 2026, non-working beneficiaries and other sources can contribute up to $20,000. Working beneficiaries may contribute an additional $15,650 of their wages.
- Earnings grow tax-free. People with AZ ABLE accounts do not have to pay income tax on earnings. The money must be spent on Qualified Disability Expenses.
What Are Some Examples of Qualified Disability Expenses?
- Education
- Housing and Rent
- Oversight and Monitoring
- Transportation
- Healthcare
- Legal Fees
- Assistive Technology
- Employment Needs
- Funeral & Burial Expenses
- Basic Living Expenses
- Health and Wellness
- Financial Management
Who Can Use This Program?
- A person whose disability:
- Began before age 46, and
- Has lasted or is expected to last for at least one year
- Is listed on the Social Security Administration’s List of Compassionate Allowances Conditions
- The person must also meet ONE of the following:
- Be eligible for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) due to a disability
- Can produce a signed diagnosis form by a licensed physician if requested
How Do I Enroll?
Open an account online.
You will need a deposit of $25 or more to open an account.
Visit AZ ABLE online to learn more.
Call 1-800-439-1653 (TTY 711) for more information.