Program Overview

PA ABLE Savings Program for Disability-Related Expenses

A PA ABLE account gives individuals with qualified disabilities (Eligible Individuals), and their families and friends, a tax-free way to save for disability-related expenses, while maintaining government benefits. Federal and state law authorized the creation of PA ABLE accounts.


  • Contribute up to $14,000 each year. This federal limit may be adjusted each year based on inflation.
  • Families and friends can contribute to an account. The account limit applies to total contributions and is not per contributor.
  • Account maximum of $511,758. Once limit is reached, no additional contributions can be made. Interest can still be earned.

Choose Your Investment Options

Contributions to your account are invested in your choice of several options the PA ABLE Savings Program offers. Choose from several mutual-fund type options with different mixes of stocks and bonds from conservative to aggressive strategies. Additionally, an interest bearing checking account with debit card will be offered.

Account Control

Eligible Individuals who can enter into contracts are Account Owners with complete control of their account - a trustee or representative is not needed. To establish an account for minors or adults who lack the capacity to contract, a parent, guardian or person with a Power of Attorney must open the account.

For Account Owners who lack the capacity to contract, the Fiduciary maintains control of the account unless relinquished. Account Owners who reach the age of 21 and have the capacity to contract can request the termination of a fiduciary's authority and roll over their savings into a new account.

The Pennsylvania ABLE Act

The Pennsylvania Achieving a Better Life Experience (ABLE) Act follows federal legislation that authorizes states to create ABLE programs. Modeled after college savings accounts, ABLE accounts allow individuals with qualifying disabilities and their families to save for a wide range of disability-related expenses. The federal tax-free savings and investment options are offered to encourage individuals with a disability and their families to save private funds to support health, independence and quality of life.