What is ABLE to Work?

The ABLE to Work Act allows beneficiaries who are employed to contribute an amount equal to their current year’s gross income (up to a maximum of $14,580 in 2024) each year to their ABLE accounts in addition to the annual standard contribution limit of $18,000.

You can make an ABLE to Work contribution online or by using the Contribution Form. Keep in mind that, if the beneficiary or their employer is contributing to a retirement plan, including a defined contribution plan (e.g. 401(k)), annuity plan (403(b)), or deferred compensation plan (457(b)) this calendar year, the beneficiary is not eligible to make ABLE to Work contributions.

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Sign up and start saving

Once you are ready to open an account, you can do so here online. When opening an Alabama ABLE account, be sure to have information about the beneficiary, qualifying disability, and how the ABLE account will be funded. Learn more about who can open an account and all the benefits of having one — or if you’re ready to get started, open one today!

Create account

Have specific questions?

Here are a few ways to get answers: Give us a call Monday through Friday, at 1-833-711-2253 from 8am-7pm CT, use our Live Chat feature in the bottom right of your screen (when available), or browse Frequently Asked Questions.

Individuals with speech or hearing disabilities may dial 711 to access Telecommunications Relay Service (TRS) from a telephone or TTY.

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