How do I withdraw money?

You can make withdrawals of at least $5 from your account online at any time. The money will be transferred to your bank account* or loaded to your ABLE Visa prepaid card in 2 – 7 business days, depending on how the money is allocated.

If you want to withdraw more than $25,000, or you don’t have an online account, you can request a Withdrawal Form by contacting customer service.

A check request can be made by using the Withdrawal Form. If your request is received in good order, the check should arrive by mail within 5 – 7 business days.

If you request a full withdrawal, your balance will be $0, and the account will remain open until the end of the calendar year. After that, an account with no balance may be closed by calling customer service.

Please note that contributions made by the Authorized Legal Representative or Beneficiary within the past 5 business days or gift contributions received within the past 10 business days will not be available for withdrawal.

* Bank accounts that have been connected to an ABLE United account within the past 10 calendar days cannot be used for withdrawals.

How do I contribute or add money to my ABLE United account?

Once your bank is connected, you can make contributions of at least $5 directly into your ABLE United account at any time online. It’s easy and secure. You can also set up recurring monthly contributions of $5 or more.

Checks are also welcome if accompanied by a Contribution Form.

Make your check payable to ABLE United and mail it with the Contribution Form to:

ABLE United Program
P.O. Box 534422
Pittsburgh, PA 15253-4422

Keep in mind that there is a 5-business-day hold period on the amount of check contributions before those funds can be withdrawn.

What if I want to close my ABLE United account?

Simply give us a call, and we’ll help you out. Reach us Monday – Friday, 9am – 6pm ET at 1-888-524-2253. We’ll be sad to see you go.

To reopen a closed account, please call customer service.

Can someone else access my account?

To keep the ABLE United account safe, don’t share your password or let someone else have access to your account.

If you want to add, change or remove the Authorized Legal Representative for the account, contact customer service Monday – Friday, 9am – 6pm ET at 1-888-524-2253, or Florida Relay Service dial 711.

Are contributions considered an asset?

Generally, money in an account is not considered an asset for state and federal benefits purposes. However, Beneficiaries receiving Supplemental Security Income (SSI) can only have up to $100,000 in the account before the funds start to count against the $2,000 asset limit.

Is there a Medicaid payback after a Beneficiary’s death?

The Florida Medicaid program may not file a claim for Medicaid recovery of funds in an ABLE United account. Upon the death of a designated Beneficiary, funds in the account can be used to pay for outstanding Qualified Disability Expenses, including funeral and burial.

The Beneficiary may list a successor designated beneficiary before their death. However, before any transfer to the successor designated beneficiary, the account is subject to the federal estate tax imposed by chapter 11 of the U.S. Code upon the estate of the deceased Beneficiary, as well as payment of any outstanding Qualified Disability Expenses, and any state claim under section 529A(f).

Federal law requires that each state recover Medicaid expenditures from a Medicaid recipient’s estate, however there are exceptions. For example, the Medicaid recipient must have been age 55 or older. If the beneficiary received Medicaid in another state, please check the law of that state, as federal law also allows a state to file a claim for Medicaid expenditures from an ABLE account.

For more information on Medicaid estate recovery, visit Florida’s Medicaid Estate Recovery Program here. If a Beneficiary has passed away, the executor of his or her estate should complete a Death of Beneficiary Form.

What happens after the death of a Beneficiary?

In the event of the death of a Beneficiary, the ABLE United account is payable to the estate of the deceased designated Beneficiary; however, funds from the account can be used to pay any outstanding Qualified Disability Expenses, including funeral and burial costs.

The Beneficiary may list a successor designated beneficiary before their death. However, before any transfer to the successor designated beneficiary, the account is subject to the federal estate tax imposed by chapter 11 of the U.S. Code upon the estate of the deceased Beneficiary, as well as payment of any outstanding Qualified Disability Expenses, and any state claim under section 529A(f).

If a Beneficiary has passed away and the personal representative/executor of their estate is not the Authorized Legal Representative, the executor may submit a death certificate and a certification that they are the personal representative and responsible for the proper disposition for the account balance. The personal representative may complete a Death of Beneficiary Form to have the remaining balance sent to the Beneficiary’s estate.

Do I have to file taxes on an ABLE United account?

Each ABLE United account is treated separately, and each will receive separate tax documents. Please consult your tax adviser for information about whether you need to file taxes for an account. At the end of each year, you will receive a 5498-QA showing contributions and the establishment of the account. If a withdrawal was made from the account, you will receive a 1099-QA showing the earnings and basis of the distributions.

If I manage multiple ABLE United accounts, can I transfer funds from one account to another?

No. You can’t transfer funds from one account to another account. You can, however, roll over funds in an ABLE account to a member of the family.

Can I use the same login information if I have multiple ABLE United accounts?

Yes. If you’re an Authorized Legal Representative of more than one Beneficiary (or yourself and a Beneficiary), you will have one username (email) and password to log in to all of the ABLE United accounts you manage.