Financial Assistance & Benefits

Connecticut's ABLE savings program allowing eligible individuals with disabilities to save for qualified disability expenses without losing eligibility for SSI, Medicaid, and other assistance programs. Offers tax-deferred growth, tax-free withdrawals for qualified expenses, and state income tax deductions for contributions.

(888) 609-3268

Connecticut

Maine's ABLE savings program administered by Bangor Savings Bank, helping eligible individuals with disabilities save for qualified disability expenses without jeopardizing SSI, Medicaid, or other benefits. FDIC-insured checking account with no annual set fee and no restrictions on disbursements.

Maine

Information about ABLE accounts — tax-advantaged savings accounts for individuals with disabilities.

National

Tax-advantaged savings program for eligible Nevadans with disabilities. Allows saving for qualified disability expenses while maintaining SSI and Medicaid eligibility. No fee to open, $25 minimum initial contribution, and annual contributions up to $20,000.

888-609-8916

Nevada

Utah's ABLE savings program allowing people with disabilities to save and invest without losing benefits. $0 maintenance fee for Utah residents. Five investment options. $25 enrollment grant for new accounts. Contributions up to $20,000 per year.

1-800-439-1653

Utah

Tax-advantaged savings accounts for individuals with disabilities to save without affecting eligibility for public benefits like Medicaid and SSI.

Alabama

Home and community-based Medicaid waiver programs providing services for individuals with intellectual disabilities and other conditions to remain in their communities.

334-242-5000

Alabama

Tax-advantaged savings and investment program for eligible Alaskans with disabilities. Allows saving for qualified disability expenses without losing eligibility for SSI and Medicaid. Earnings are federally tax-deferred and tax-free when used for qualified expenses.

(888) 609-8871

Alaska

Tax-advantaged savings accounts allowing individuals with disabilities to save without losing eligibility for public benefits.

Arkansas

Home and community-based Medicaid waiver programs enabling individuals with disabilities to receive services in their homes and communities.

Arkansas

Massachusetts' official ABLE savings plan sponsored by MEFA and managed by Fidelity Investments. Allows individuals with disabilities to save in a tax-advantaged account without affecting federal benefits, with tax-exempt growth and up to $100,000 saved with no impact on SSI.

1-844-458-2253

Massachusetts

Arizona's ABLE savings program allowing persons with disabilities to save and invest money without losing eligibility for public benefits like Medicaid and SSI. Tax-free growth and withdrawals when used for qualified disability expenses.

1-800-439-1653

Arizona

California's ABLE savings and investment plan helping people with disabilities save for qualified disability expenses while maintaining benefit eligibility. Contributions and earnings are 100% federal and California state tax-free when used for qualified expenses.

1-833-225-2253

California

Global leader empowering individuals with physical disabilities through grants for adaptive sports equipment, prosthetics, training, and competition travel. Has fulfilled over 52,000 funding requests since 1994.

9591 Waples Street, San Diego, CA 92121

(858) 866-0959

California · San Diego

Colorado's ABLE savings program for people with disabilities, allowing tax-advantaged savings while protecting eligibility for public assistance programs. Contributions may qualify for a state tax deduction. Minimum $25 to open an account.

Colorado

Elder law and special needs planning firm offering special needs trusts, ABLE accounts, guardianship/conservatorship, estate planning, and fiduciary services.

4084 University Drive, Suite 202A, Fairfax, VA 22030

(703) 481-6464

Virginia · fairfax

DC's ABLE savings program helping residents with disabilities save for qualified disability expenses without losing benefits from SSI, Medicaid, and other assistance programs. Features tax-deferred earnings, tax-free withdrawals for qualified expenses, and a checking account option.

(888) 609-3458

District of Columbia

Delaware's ABLE savings plan allowing individuals with disabilities to save for qualified disability expenses on a tax-advantaged basis without jeopardizing SSI, Medicaid, and other federal benefits. Features include a checking account option with debit card.

Delaware

Premier estate planning and elder law firm providing special needs trust planning, guardianship, Medicaid asset protection, and comprehensive special needs planning.

10640 Main Street, Suite 200, Fairfax, VA 22030

(703) 691-1888

Virginia · fairfax

Tax-advantaged savings program allowing Floridians with disabilities to save without impacting eligibility for public benefits.

Florida

Home and community-based Medicaid waiver program providing individualized budgets for services for individuals with developmental disabilities.

Florida

Tax-advantaged savings accounts for individuals with disabilities to save without losing eligibility for public benefits like Medicaid and SSI.

Georgia

Home and community-based Medicaid waivers (New Options Waiver and Comprehensive Supports Waiver) for individuals with developmental disabilities.

Georgia

AV-rated firm serving Northern Virginia since 1980, offering special needs trusts, guardianship, conservatorship, powers of attorney, and estate planning.

10511 Judicial Drive, Fairfax, VA 22030

(703) 591-4900

Virginia · fairfax

Tax-advantaged savings accounts for Hawaii residents with qualifying disabilities. Allows saving for qualified disability expenses while keeping federal and state benefits including SSI, Medicaid, and SNAP. Low annual fee of $35.

Hawaii

Idaho's ABLE savings program launched January 2026, allowing eligible residents with disabilities to save up to $100,000 without losing state, local, and federal benefits. Offered through partnership with STABLE Account administered by the Ohio Treasurer's Office.

Idaho

Tax-advantaged savings accounts for eligible individuals with disabilities to save without affecting means-tested benefits.

Illinois

Medicaid waiver programs providing home and community-based services for individuals with disabilities as an alternative to institutional care.

Illinois

Tax-advantaged savings accounts for eligible Hoosiers with disabilities to save without impacting public benefits eligibility.

Indiana

Medicaid waiver programs providing home and community-based services for Hoosiers with disabilities as alternatives to institutional care.

Indiana

Tax-advantaged savings accounts for eligible Iowans with disabilities to save without jeopardizing public benefits.

Iowa

Medicaid waiver programs providing home and community-based services to Iowans with disabilities as an alternative to institutional care.

Iowa

Tax-advantaged savings accounts for eligible Kansans with disabilities to save without affecting means-tested benefits.

Kansas

Medicaid waiver programs funding home and community-based services for Kansans with disabilities.

Kansas

Tax-advantaged savings accounts enabling Kentuckians with disabilities to save without impacting eligibility for public benefits.

Kentucky

Home and community-based Medicaid waiver programs for individuals with intellectual and developmental disabilities to receive services in their communities.

Kentucky

Tax-advantaged savings accounts for individuals with disabilities enabling savings without affecting public benefits eligibility.

Louisiana

Home and community-based Medicaid waiver programs (Residential Options Waiver and New Opportunities Waiver) for individuals with developmental disabilities.

Louisiana

Maryland's ABLE savings program helping individuals with disabilities save for qualified disability expenses tax-free without jeopardizing SSI or Medicaid. Minimum $25 to open, $1 minimum subsequent contributions, and $35 annual maintenance fee.

1-855-563-2253

Maryland

Full-service firm with elder law and special needs practice led by Certified Elder Law Attorney, offering special needs trusts, guardianships, conservatorships, and estate planning.

11350 Random Hills Road, Suite 500, Fairfax, VA 22030

(703) 273-2288

Virginia · fairfax

Tax-advantaged savings accounts for eligible Michiganders with disabilities to save without impacting public benefits.

Michigan

Medicaid waiver programs funding home and community-based services for Michiganders with disabilities.

Michigan

Tax-advantaged savings accounts for eligible Minnesotans with disabilities to save without affecting means-tested benefits.

Minnesota

Medicaid waiver programs providing home and community-based services for Minnesotans with disabilities.

Minnesota

Tax-advantaged savings accounts for individuals with disabilities to save without affecting eligibility for public benefits.

Mississippi

Home and community-based Medicaid waiver programs for individuals with intellectual and developmental disabilities to receive services in their communities.

Mississippi

Tax-advantaged savings accounts for eligible Missourians with disabilities to save without affecting means-tested public benefits.

Missouri

Medicaid waiver programs funding home and community-based services for Missourians with disabilities.

Missouri

Montana's ABLE savings program allowing people with disabilities to save without jeopardizing SSI and Medicaid benefits. Montana taxpayers can deduct $3,000 per year for contributions. Account limit of $396,000.

888-609-3461

Montana

Largest provider of legally based advocacy services for people with disabilities in the US.

National

Tax-advantaged savings accounts for North Carolinians with disabilities to save without impacting eligibility for public benefits.

North Carolina

Tax-advantaged savings accounts for eligible Nebraskans with disabilities to save without impacting public benefits.

Nebraska

Medicaid waiver programs funding home and community-based services for Nebraskans with disabilities.

Nebraska

New Hampshire's ABLE savings plan administered by the NH State Treasury, helping individuals with disabilities save while preserving SSI and Medicaid benefits. Offers 8 investment options including a checking account with debit card. Open an account with as little as $1.

(888) 609-3263

New Hampshire

New Jersey's ABLE savings program enabling eligible individuals with disabilities to save money for disability-related expenses tax-exempt without affecting SSI (up to $100,000) or Medicaid. Account balance limit of $305,000 with annual contribution limit of $20,000.

(888) 609-8869

New Jersey

New Mexico's ABLE savings program allowing individuals with disabilities to save and invest without losing public benefits. Five investment options available. $25 enrollment grant for new accounts. Managed online with contributions from anyone.

1-800-439-1653

New Mexico

Home and community-based Medicaid waiver providing services for individuals with intellectual and developmental disabilities.

North Carolina

Tax-advantaged savings accounts for eligible North Dakotans with disabilities to save without affecting means-tested benefits.

North Dakota

Medicaid waiver programs providing home and community-based services for North Dakotans with disabilities.

North Dakota

Nonprofit providing affordable loans and financial education for assistive technology, home modifications, and vehicles for people with disabilities in Oregon and Washington.

206-328-5116

Oregon · Statewide

New York's ABLE savings program allowing residents with disabilities to save money without risking SSI, Medicaid, and other means-based benefits. Features tax-free earnings and distributions for qualified disability expenses, with a maximum account balance of $520,000.

1-855-569-2253

New York

Tax-advantaged ABLE savings accounts for eligible Ohioans with disabilities to save without affecting means-tested benefits.

Ohio

Oklahoma's ABLE savings program allowing people with disabilities to save and invest without losing Medicaid or SSI eligibility. Oklahoma residents pay $0 maintenance fee. $25 grant for new accounts. Five investment options available.

Oklahoma

Tax-advantaged savings accounts for eligible individuals with disabilities that do not affect eligibility for means-tested benefits like SSI and Medicaid.

Oregon · Statewide

Oregon's Medicaid program providing health coverage for eligible low-income individuals and families, including children and adults with disabilities. Covers therapies, equipment, and medical services.

800-699-9075

Oregon · Statewide

Pennsylvania's ABLE savings program, the fifth largest in the nation with over 11,500 accounts and $185 million saved. Provides tax-free saving for disability-related expenses while maintaining government benefits. PA residents can deduct up to $19,000 per year in contributions from state income taxes.

(855) 529-2253

Pennsylvania

Tax-advantaged ABLE savings accounts for South Carolinians with disabilities to save without affecting eligibility for public benefits.

South Carolina

Resource for Dual Eligible Special Needs Plans (D-SNP) — Medicare Advantage plans for individuals with both Medicare and Medicaid. Helps navigate insurance options for people with disabilities.

National

Rhode Island's ABLE savings program allowing individuals with disabilities to save for qualified disability expenses on a tax-deferred basis without limiting SSI, Medicaid, and other federal programs. Open an account online with as little as $25.

(888) 609-8915

Rhode Island

Federal disability benefits including Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI).

National

Tax-advantaged ABLE savings accounts for eligible South Dakotans with disabilities to save without impacting public benefits.

South Dakota

National network of attorneys specializing in disability law, public benefits, and estate planning. Members help families create special needs trusts, navigate SSI/Medicaid eligibility, and plan for long-term financial security.

National

Tax-advantaged ABLE savings accounts for Tennesseans with disabilities to save money without affecting eligibility for public benefits.

Tennessee

Texas's ABLE savings program allowing individuals with disabilities to save up to $100,000 without impacting SSI benefits, or up to $500,000 account balance limit. Tax-free withdrawals for qualified disability expenses. $50 minimum to open; $25 minimum for subsequent contributions.

844-489-2253

Texas

Customized and affordable estate planning, special needs planning, guardianships, conservatorships, and long-term care planning throughout Northern Virginia.

6564 Loisdale Court, Suite 600, Springfield, VA 22150

(571) 403-2619

Virginia · springfield

Special needs law services including special needs trusts, guardianships, conservatorships, and special education advocacy for families in Northern Virginia.

8270 Greensboro Drive, Suite 810, McLean, VA 22102

(703) 883-0102

Virginia · mclean

Vermont's ABLE savings program allowing eligible individuals with disabilities to save and invest money without losing eligibility for Medicaid, SSI, or SSDI. Set up in as little as 10 minutes with a $25 initial deposit. New account holders receive a $25 matching grant.

Vermont

Virginia's Medicaid program including waiver programs for individuals with disabilities, covering therapies, equipment, and personal care.

Virginia · Statewide

Washington's ABLE savings program enabling eligible individuals with disabilities to save and invest without jeopardizing eligibility for SSI, Medicaid, and other public benefits. Tax-advantaged savings for qualified disability expenses.

Washington

Tax-advantaged ABLE savings accounts for Wisconsinites with disabilities. Wisconsin does not yet have its own state program but residents may open accounts through any state program that accepts non-residents.

Wisconsin

West Virginia's tax-advantaged ABLE savings and investment accounts for individuals with disabilities, allowing saving up to $20,000 per year without affecting Medicaid or SSI eligibility.

800-439-1653

West Virginia

Wyoming's ABLE savings program allowing eligible individuals with disabilities to save and invest without jeopardizing public benefits like SSI and Medicaid. Tax-advantaged savings for qualified disability expenses including housing, education, transportation, and health care.

Wyoming