Achieving a Better Life Experience (ABLE)
The Delaware Achieving a Better Life Experience (ABLE) Act allows individuals with disabilities to save and invest in a 529a account for qualified medical expenses. On December 19, 2014, the ABLE Act was signed into federal law by President Barack Obama. In June of 2015, Delaware's ABLE Act or "Kayla's Bill" was signed into Delaware law.

Up to $14,000 can be saved per year without endangering benefits from federal means-tested programs.

Who is eligible to be an ABLE account beneficiary?
To be eligible, individuals must meet two requirements:

1. Age requirement: onset of disability before age 26
2. Severity of disability:

Have been determined to meet the disability requirements for Supplemental Security Income (SSI) or Social Security disability benefits (Title XVI or Title II of the Social Security Act),


Can provide a "disability certification", including a physician's diagnosis, that the individual meets criteria to be further established in regulations (essentially equal to Social Security level of disability).

What may funds from an ABLE account be used for?
Distributions from an ABLE account may be made for qualified disability expenses, related to the individual's disability or blindness and made for his/her benefit, including:

  • Education
  • Housing
  • Transportation
  • Employment training and support
  • Assistive technology and personal support services
  • Health, prevention, and wellness
  • Financial management and administrative services
  • Legal Expenses for oversight and monitoring
  • Basic Living Expenses (NPRM)
  • Funeral and burial expenses
  • Any other expenses to enhance quality of life

Expenditures for non-qualified expenditures will be penalized (tax and potential SSI penalties).

What is the current Delaware ABLE offering?
The State of Delaware and the Plans Management Board expect to have a final decision on an ABLE offering by June 2017.

To request information, please contact the Office of State Treasurer via email: or call 302-672-6700

ABLE Resources
To compare existing Plans:

Links to websites for open national programs: