FAQs

Without saving in an Enable account, the savings limit for Supplemental Security Income (SSI) is $2,000 for an individual and $3,000 for a couple. When you save money using an Enable account, the first $100,000 is not counted toward the SSI resource limit. Balances over $100,000 count toward that $2,000 SSI resource limit.

Medicaid, HUD, and SNAP are to disregard any amounts in an Enable account.

Contributions into an Enable account may count as income. Please consult with the program you receive benefits from for additional information.

Enable enrollment requires self-attestation of how the eligibility criteria was met ,either through receiving benefits due to blindness or disability, or physician’s certification of disability. Proof of eligibility must be retained according to standard IRS documentation retention protocols. For more information on ABLE eligibility, visit our eligibility page.

An Authorized Individual can open the Enable Account on the Account Owner’s behalf. Authorized Individuals include power of attorney, conservator or legal guardian, spouse, parent, sibling, or grandparent of the Account Owner, or a representative payee appointed for the Account Owner by the Social Security Administration, in that order of priority. Account Owners who have legal capacity can also choose anyone to manage the Enable Account on their behalf.

For additional details, click here.

You do not have to prove withdrawals are for qualified disability expenses at the time of the withdrawal. Annually, the Enable Savings Plan will report the total amount of your withdrawals to the IRS and the date and amount of each of your withdrawals to the Social Security Administration. In the event that either entity wants to verify the expenses, it’s recommended that you keep detailed records.

Qualified Disability Expenses (QDE) are expenses incurred by the Account Owner that relate to the blindness or disability of the Account Owner and are for the benefit of the Account Owner in maintaining or improving his or her health, independence, or quality of life. Such expenses include, but are not limited to:

• Education (including tuition for preschool through post-secondary schools)
• Housing
• Transportation
• Employment training and support
• Assistive technology and related services
• Personal support services
• Health, prevention and wellness
• Financial management and administrative services
• Legal fees
• Expenses for oversight and monitoring
• Funeral and burial expenses
• Other expenses to enhance the Account Owner’s quality of life

No. Federal regulations require eligible individuals to only participate in one plan nationwide. In the case of a rollover from one ABLE account to another for the same Account Owner, the ABLE account from which the funds are withdrawn must be closed within 60 days of the withdrawal.

For 2026, the contribution limit is $20,000 per year. No further contributions may be made until the start of the next calendar year. For 2026, the lifetime Enable Account balance limit is currently $550,000.

Account Owners who are working and earning income may contribute more than $20,000 if the Account Owner, or their employer, does not contribute into a defined contribution plan such as 401(a), 403(a) or 401(k) plan; an annuity such as a 403(b) contract; or an eligible, deferred compensation plan, such as a Section 457(b) plan, in the calendar year. The ABLE to Work provision allows ABLE account owners to save beyond the annual contribution limit amount once the Enable's ABLE to Work Form is completed and submitted to the Plan. The additional contribution is calculated as the lesser of:

• The account owner’s gross wages for the year, or
• The federal poverty guideline amount for a one-person household in the account owner’s state of residence for the previous calendar year, which is $15,650 for 2025 in Nebraska.

Contributions in excess of the applicable limit could have tax consequences. Account Owners should consult a tax advisor before making any increased contribution.

These are contributions of a specific amount made automatically into your Enable Account with the dates and frequency you choose. For example, you can set up recurring contributions of $25 per month on the 5th of each month. This makes the process of contributing and investing very simple.

Absolutely. Anyone can contribute directly to your Enable Account. No matter who contributes, you, the Account Owner or Authorized Individual, retain control over the Enable Account.

Contributions made by anyone in Nebraska can be deducted on the contributor’s Nebraska income taxes, up to $10,000 (or $5,000 if married, filing separately). These deductions can be claimed on the tax form using either the Enable Account number, OR the UGift code that was used to make the contribution.

Ugift is the perfect way for friends and family to contribute.

Ugift® is a feature of your Enable Account that allows friends and family to contribute to your savings in lieu of traditional gifts. It's simple to use - just log in to your Enable Account to find your code and share it with friends and family, who can use it at UgiftABLE.com to contribute directly into your Enable Account. You can also track gifts in the same place you find your UGift code.

Learn more by reading our Ugift ABLE FAQ.

Give to Enable is Nebraska's free crowdfunding platform that helps individuals with disabilities and qualifying medical conditions reach their savings goals. Gifts go directly into an Enable account to pay for qualified disability expenses.

The Support Program assists in covering the required initial contribution to open an Enable account. For more information, visit: https://givetoenable.nebraska.gov/rules

Enable offers a checking, savings, and four professionally managed Vanguard investment options to assist in meeting immediate and lifelong savings needs. For more information visit: https://www.enablesavings.com/home/basics/investment-options.html

Twice per calendar year. You can change your investment options for any NEW contributions at any time. Changes can be made online or by completing the Exchange Form.

This automatically moves funds from one investment option to another. You can choose the amount, frequency and date that these investments are moved.

This is a way of making automatic withdrawals, such as when you'd like to use your Enable Account to make payments each month. You can make systematic withdrawals to the bank listed on your Enable Account, by mail to your address, or to a third party.

Upon the passing of the Account Owner:

1. Be sure to pay all qualified expenses.
2. Beginning November 13, 2020, Nebraska Medicaid will not seek to claw back any money left in an Enable Account after the beneficiary passes to pay back Medicaid expenses paid for the beneficiary after the beneficiary’s Enable Account was opened.
3. If the Account Owner resides in a state other than Nebraska, they will need to check with the Medicaid claw back laws in the state they reside.

Options for any remaining assets in the Enable Account:

1. Roll into a family member’s ABLE Account.
2. Roll into a pre-named Successor Account Owner’s ABLE Account. This person must be eligible for an ABLE Account.
3. Have money paid out to a “$5K or less Inheritor” (if balance is equal to or less than $5,000 at time of Account Owner’s death).
4. Pay out to an Estate.

With the exception of option #1, there may be tax implications. Please contact a probate attorney or tax specialist for more details. When an Account Owner passes away, we always require a death certificate to pay out any remaining funds. If the money is not going to one of the three options listed above, we also require an affidavit and a letter of instruction telling us where to send the funds.

If you are a resident of Nebraska, you can get information about affidavits by clicking here.