Delaware ABLE Plan – DEPENDABLE
Helping Delawareans with Disabilities Thrive
Visit SaveWithAble.com to Register
About the Plan
The State of Delaware offers a low-cost 529(a) savings plan – DEPENDABLE – that allows individuals with disabilities and their families to save for a broad range of expenses on a tax-advantaged basis without jeopardizing their benefits from supplemental security income (SSI), Medicaid, and other federal programs. Eligible individuals can open an account for themselves, or an authorized individual can open an account on their behalf.
Additional information about the plan, investments, risks, charges, expenses, eligibility, and other important information are included in the Plan Disclosure Booklet.
Need help determining how much of your biweekly, monthly, or annual income you can contribute towards your account? Our Available Income Calculator can help do the math.
Para obtener información en español, haga clic aquí.
What are the benefits of an ABLE account?
Special Tax Advantages
- Earnings on your investments are federally tax-deferred, maximizing your return
- Withdrawals are federally tax-free when used for qualified expenses
- Tax deduction of up to $5,000 for DEPENDABLE contributions from the account owner or another contributor if they file their income taxes in Delaware
Doesn’t Affect Existing Benefits
- Balances under $100,000 are excluded from the SSI resource limit
- You’ll continue to be eligible for Medicaid, regardless of your account balance
Easy to Register and Use
- Open an account online with as little as $25
- Contribute as much as $20,000 per year
- Access your account by phone or online 24/7 from a PC, tablet, or mobile device
- Select the checking option to easily access your funds via debit card
- With the easy-to-use Ugift feature, anyone can contribute to your account
Who can open an account?
Any adult with a disability can open their own ABLE account if they’re legally able to sign contracts. If not, they can choose someone else to open and manage the account for them. If you’re not legally able to open an ABLE account yourself – whether you’re a minor or an adult – federal law limits who can open the account on your behalf. Click here for more information.
What are the eligibility requirements?
If your disability began before age 26, you’re eligible for an ABLE account regardless of your current age. As of January 1, 2026, the age of disability onset is now 46! While the State of Delaware does not require you to prove your eligibility, it’s best to have a record of your diagnosis signed by your doctor and/or a benefits verification letter from the Social Security Administration.
How do I sign up?
Visit SaveWithABLE.com and click “Start Saving”!
What do I need to know about taxes?
Visit the ABLE page on the IRS website for all the tax information you need.
I have more questions!
Check out the ABLE National Resource Center’s FAQ and SaveWithABLE.com’s Delaware-specific FAQ.
For general questions, call (888) 609-8914 from Monday to Friday, 8 a.m. to 5 p.m. Eastern Time.
For questions specific to the Fifth Third Bank Checking Account, call (888) 516-2375 from Monday to Friday, 7 a.m. to 8 p.m. Eastern Time, or Saturday from 8:30 a.m. to 5 p.m.
Need help with your account? Email de.clientservice@savewithable.com
You can also contact the Office of the State Treasurer’s ABLE Coordinator, Layne Taylor, at layne.taylor@delaware.gov
For questions regarding the Delaware DEPENDABLE Plan, contact us.
Task Force Memorandums
