ABLE Program

Helping qualified Washingtonians obtain financial resources

Achieving a Better Life Experience with Washington ABLE

Accounts may be opened at

Although the State Treasurer is represented on the ABLE Governing Board, the program is housed under the Washington State Department of Commerce. Access more information about Washington ABLE on the Department of Commerce ABLE webpage.

ABLE online resources


In 2014, the U.S. Congress approved and then-President Obama signed the Achieving a Better Life Experience (ABLE) Act. It set out a way for states to help people living with disabilities maintain their financial eligibility for Medicaid, Supplemental Security Income (SSI), and other key federal benefits – while also setting aside in tax-sheltered accounts up to $14,000 per year of their personal funds for education, job training, assistive technology, transportation, and more.

Previously, the disability benefits eligibility threshold was a maximum of $2,000 in personal assets; under ABLE that rises to $100,000, so people living with disabilities and their families can maintain important aid and better save and plan for the future. Total ABLE-eligible beneficiaries in Washington are estimated at 130,000 to 180,000 adults and children, and roughly one-quarter of them have sufficient resources for participation to be feasible.

The passage of the U.S. ABLE Act set the stage for state legislatures to decide whether to carry through, by establishing state-level frameworks to activate the federal law’s opportunities. The vast majority of states have either already implemented their own ABLE statute, or are in the process of doing so.

During the 2016 legislative session, Washington State’s ABLE program was authorized via the passage and signing of ESHB 2323. The legislation created an ABLE Governing Board with a mandate to design and implement an ABLE savings and investment program for eligible individuals living with with disabilities. During the 2018 legislative session, SSB 6221 modified the statute to allow more flexibility and efficiency with the implementation of ABLE. The Washington State ABLE program was launched in July, 2018. The ABLE Governing Board is comprised of:

  • The State Treasurer or his or her designee;
  • The Program Director for the Committee on Advanced Tuition Payment;
  • The Director of the Office of Financial Management or his or her designee; and
  • Four members with financial, legal, or disability program experience, appointed by the Governor.

For 2023, ABLE participants can contribute $17,000 per year in standard contributions and if eligible, another $13,590 in ABLE to Work contributions.